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Yes! You can use AI to fill out Official Form 106E/F, Schedule E/F: Creditors Who Have Unsecured Claims

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Official Form 106E/F, Schedule E/F: Creditors Who Have Unsecured Claims, page 1
Complex · 72/100Form Complexity Index

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What this form asks for

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Official Form 106E/F is a crucial schedule in a bankruptcy filing where the debtor must list all creditors who hold unsecured claims. The form is divided into two main parts: one for priority claims (like certain taxes or domestic support obligations) and another for nonpriority claims (like credit card debt or medical bills). Accurately completing this schedule is vital for ensuring all debts are properly accounted for and addressed in the bankruptcy proceeding. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields322
Pages4
Sections8
Tables and lists2
Questions that depend on earlier answers56
Form Complexity IndexComplex, 72/100

The AI checks your answers before you download

13 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Conditional Requirement for Priority Claims

This check ensures that if the user answers 'Yes' to question 1 ('Do any creditors have priority unsecured claims against you?'), then at least one priority creditor must be detailed in Part 1, section 2. This prevents the submission of an internally inconsistent form where the user indicates they have priority claims but fails to list them. If validation fails, the user will be prompted to either list a creditor or change their answer to 'No'.

Priority Claim Amount Summation

For each priority claim listed in Part 1, this validation verifies that the 'Priority amount' plus the 'Nonpriority amount' equals the 'Total claim'. This is crucial for accurate financial reporting and calculating the total debt owed in each category. A mismatch could lead to incorrect calculations in the bankruptcy estate, so a failure would require the user to correct the amounts before proceeding.

Specification for 'Other' Priority Claim Type

This check validates that if the 'Other' checkbox is selected under 'Type of PRIORITY unsecured claim' for any creditor in Part 1, the adjacent text field for specifying the claim type is not left blank. This ensures that all claims are properly categorized as required by the court. Failure to specify will result in an error message requiring the user to provide a description.

Conditional Requirement for Nonpriority Claims

This check ensures that if the user answers 'Yes' to question 3 ('Do any creditors have nonpriority unsecured claims against you?'), then at least one nonpriority creditor must be detailed in Part 2, section 4. This maintains logical consistency within the form. If validation fails, the user will be prompted to either list a nonpriority creditor or change their answer to 'No'.

Specification for 'Other' Nonpriority Claim Type

This check validates that if the 'Other' checkbox is selected under 'Type of NONPRIORITY unsecured claim' for any creditor in Part 2, the adjacent specification text field is filled in. This is necessary for the court and trustee to understand the nature of all listed debts. A failed validation will prevent submission until a description is provided.

Debtor 2 Existence for Debt Attribution

This validation confirms that if 'Debtor 2 only' or 'Debtor 1 and Debtor 2 only' is selected for 'Who incurred the debt?', the 'Debtor 2' name fields at the top of the form are filled out. This prevents attributing debt to a non-existent party in the filing. If Debtor 2's name is missing, the user will be alerted to either add the Debtor 2 information or correct the debt attribution.

And 7 more checks
  • Completeness of Creditor Entry
  • Account Number Format Validation
  • Date of Debt Incurred Validity
  • ZIP Code Format Validation
  • Exclusive Selection for 'Who Incurred the Debt'
  • Debtor 1 Name Presence on All Pages
  • Logical Pagination

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How to Fill Out Official Form 106E/F Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select Official Form 106E/F.
  2. Provide your personal details and bankruptcy case number for the AI to populate the form's header sections.
  3. In Part 1, input the information for each priority unsecured creditor, including their name, address, the amount of the claim, and the type of priority.
  4. In Part 2, list all nonpriority unsecured creditors, providing their details and the total claim amount for each.
  5. For each listed creditor, specify details such as when the debt was incurred, who incurred it, and whether the claim is contingent, unliquidated, or disputed.
  6. Carefully review the entire form generated by the AI, verifying that all creditors are listed correctly and all financial details are accurate.
  7. Securely download, print, or e-file the completed Schedule E/F as required by the bankruptcy court.

Common Mistakes in Completing Official Form 106E/F

The ones the AI is built to catch.

Misclassifying Priority and Nonpriority Claims
Debtors often confuse which debts are 'priority' (like recent taxes or domestic support) and which are 'nonpriority' (like credit cards or medical bills). This happens due to the complexity of bankruptcy law. Misclassification can lead to the improper treatment of debts, potentially leaving the debtor liable for priority debts they thought would be handled differently. To avoid this, carefully review the definitions for each claim type and list them in the correct section (Part 1 for Priority, Part 2 for Nonpriority).
Incorrectly Allocating Claim Amounts in Part 1
In Part 1, for priority claims, filers must break down the 'Total claim' into its 'Priority amount' and 'Nonpriority amount'. A common error is to list the same value for all three fields or to have amounts that do not add up correctly. This mistake can misrepresent the total priority debt, affecting the bankruptcy plan and payment calculations. Always ensure that the Priority amount plus the Nonpriority amount equals the Total claim for that specific debt.
Failing to List All Unsecured Creditors
People frequently omit creditors, especially for informal personal loans, old medical bills, or debts in collections, assuming they are not important. However, any debt not listed on the bankruptcy schedules may not be discharged, meaning the filer will still be legally obligated to pay it after the case is over. To prevent this, thoroughly review your credit reports from all three major bureaus, as well as old bank statements and bills, to create a comprehensive list of everyone you owe.
Incorrectly Listing Secured Debts
This schedule is exclusively for unsecured claims, but filers sometimes mistakenly list secured debts like mortgages or car loans here. This error creates significant inconsistencies across the bankruptcy petition, as secured debts belong on a separate form (Schedule D). Such mistakes can cause delays and require filing amendments. Always differentiate between debts backed by collateral (secured) and those that are not (unsecured) before filling out the forms.
Providing Incomplete or Inaccurate Creditor Information
Entering a wrong address, an old P.O. Box, or forgetting the account number is a frequent mistake that has serious consequences. The court system relies on this information to formally notify creditors of the bankruptcy filing. If a creditor is not properly notified because of bad information, the debt owed to them may be excluded from the discharge. To avoid this, use the most recent statement from each creditor to copy the exact name and mailing address. AI-powered tools like Instafill.ai can help by auto-completing and validating addresses to ensure accuracy.
Misunderstanding Claim Status Checkboxes
The terms 'Contingent,' 'Unliquidated,' and 'Disputed' have specific legal meanings that are often misinterpreted by filers. A claim might be checked as 'Disputed' when it's simply a bill the person doesn't want to pay, which is incorrect. This mischaracterization can affect how the claim is treated by the trustee and may require clarification, delaying the case. You should only check these boxes if the debt truly depends on a future event (contingent), the exact amount is unknown (unliquidated), or you have a legitimate legal basis to challenge the debt (disputed).
Forgetting to Fill Out Headers on Continuation Pages
When a debtor has more creditors than fit on the main page, they must use continuation pages. A very common oversight is failing to write the debtor's name and case number at the top of every single additional page. This can lead to pages being misfiled or lost by the court clerk, resulting in an incomplete petition and unlisted creditors. Always fill out the header information on all pages before you begin listing the creditor details.
Incorrectly Assigning Debt in a Joint Filing
In a joint case with two debtors, it is crucial to correctly check who incurred the debt: 'Debtor 1 only,' 'Debtor 2 only,' or 'Debtor 1 and Debtor 2 only.' Filers may guess or incorrectly assume all debts are joint. This information is vital for determining individual liability and how community property laws apply. Incorrectly assigning a debt can lead to legal complications regarding who is responsible for what after the bankruptcy.
Failing to List Creditors Alphabetically
The form instructions explicitly require that creditors in both Part 1 and Part 2 be listed in alphabetical order. Filers, often focused on the financial details, frequently overlook this organizational requirement. While it may seem minor, failing to alphabetize can slow down the review process for the court and trustee, and in some districts, it may trigger a deficiency notice requiring you to amend and refile the schedule. Using a tool like Instafill.ai can help automatically sort creditors correctly before generating the final form.
Omitting the 'Date Debt Was Incurred'
Filers often leave the 'When was the debt incurred?' field blank, either because they don't know the exact date or they underestimate its importance. This date is critical, especially for priority tax debts, as it helps determine whether the debt qualifies for priority status. Leaving this field blank creates ambiguity and may lead to the trustee or court requiring more information. If the exact date is unknown, provide an approximate date or the year the account was opened.

Frequently Asked Questions About Official Form 106E/F

 

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How does the AI fill out Official Form 106E/F?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Official Form 106E/F, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Official Form 106E/F to fill out?
Official Form 106E/F has a Form Complexity Index of 72 out of 100, in the complex tier: 322 fillable fields across 4 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of Form 106E/F, Schedule E/F?
This form is used in a bankruptcy case to list all of your unsecured debts. Unsecured debts are those not backed by any collateral, such as most credit card balances, medical bills, and personal loans.
What is the difference between Part 1 and Part 2 of this form?
Part 1 is for listing 'priority' unsecured claims, which are debts that are given special treatment and paid first under bankruptcy law, like child support or recent taxes. Part 2 is for 'nonpriority' unsecured claims, which includes most general debts like credit cards and medical bills.
Who needs to fill out Schedule E/F?
Any individual filing for bankruptcy (the debtor) who has unsecured debts must complete and file this form. It is a required part of the bankruptcy petition to ensure all creditors are properly notified.
Where do I list a car loan or mortgage on this form?
You do not list secured debts like car loans or mortgages on Schedule E/F. Those debts should be listed on Schedule D: Creditors Who Have Claims Secured by Property.
What information do I need to list for each creditor?
For each creditor, you must provide their name and full mailing address, the last four digits of the account number, the total amount you owe, and when the debt was incurred. Having recent billing statements handy will help you gather this information.
What do 'Contingent,' 'Unliquidated,' and 'Disputed' mean?
A claim is 'Contingent' if your obligation to pay depends on a future event, 'Unliquidated' if the exact amount is not yet determined, and 'Disputed' if you disagree that you owe the debt or contest the amount.
What should I do if I have more debts than there is space on the form?
The form includes continuation pages for both Part 1 and Part 2. You can make copies of these pages, fill them out with your additional creditors, and attach them to the main Schedule E/F form.
How should I list a debt if both my spouse and I are responsible for it?
In the section 'Who incurred the debt?', you should check the box for 'Debtor 1 and Debtor 2 only' if you are filing a joint bankruptcy petition. This correctly identifies the debt as a joint obligation.
What does it mean if a claim is 'subject to offset'?
This applies if the creditor also owes you money. An offset means the creditor could potentially use the money they owe you to reduce the amount of your debt to them.
If I have multiple accounts with the same credit card company, how do I list them?
You should list the creditor separately for each individual claim or account. This ensures that each debt is clearly and accurately reported in your bankruptcy filing.
Can AI tools help me fill out Schedule E/F?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help prevent errors. These tools can extract information from your records and place it in the correct sections of the form.
How can I fill out this form online using Instafill.ai?
To fill out Schedule E/F online, you can upload the PDF to a platform like Instafill.ai. The service will make the document interactive, allowing you to type your information directly into the fields and then save or print your completed form.
The PDF copy of the form I have is not fillable. What can I do?
If your PDF is a 'flat' or non-fillable image, you can use a service like Instafill.ai. It can convert the static document into an interactive, fillable form that you can easily complete on your computer.
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