Schedule A/B
Comprehensive list of real and personal property, including location, owner interest and current value with source documentation.
Complete, accurate schedules protect a debtor from objections, support trustee review, and are required for discharge determinations. Courts, trustees and creditors rely on these records when adjudicating claims and evaluating estate assets.
The schedules are usually prepared by the debtor or the debtor's bankruptcy attorney and reviewed by the chapter trustee and creditors.
Accurate authorship and clear supporting documentation simplifies case administration and reduces the likelihood of creditor challenges or trustee motions.
Comprehensive list of real and personal property, including location, owner interest and current value with source documentation.
Detailed household income and expense statement showing gross income, allowed deductions, and disposable income calculations.
Attach pay stubs, bank statements, title documents, appraisal summaries and vendor invoices when listing assets or liabilities.
Ensure accurate creditor names and addresses for service and claims processing to avoid notice failures.
Signed declaration under penalty of perjury by the debtor attesting to the schedules' accuracy.
Link schedules to exemptions or additional forms (e.g., Statement of Financial Affairs) for consistent case records.
| Document type | Official Form 106A/B and 106J |
|---|---|
| Court rule | Follow local bankruptcy court CM/ECF requirements |
| eSignature allowed | Varies by court — verify before relying on remote signatures |
| Attachments required | Include exhibits named and referenced by schedule line |
| File format | PDF/A preferred; check clerk requirements |
Courts accept filings via CM/ECF; individual clerks may specify PDF, signature conventions, or additional notarization for certain items.
Verify local court instructions before e-submitting; some clerks accept electronically signed PDFs while others require wet signatures or counsel filing through CM/ECF.
| Form | Schedule A/B | Schedule J |
|---|---|---|
| Primary purpose | list property | detail income and expenses |
| Key attachments | titles, appraisals | pay stubs, bills |
| Signer | debtor signature | debtor signature |
| Court focus | asset identification | disposable income review |
| signNow | DocuSign | Adobe Sign | PandaDoc | HelloSign | |
|---|---|---|---|---|---|
| Starting Price | $8/user/mo | $15/user/mo | $14/user/mo | $19/user/mo | $15/user/mo |
| Free Trial | 7-day free trial | Varies by vendor | Varies by vendor | Varies by vendor | Varies by vendor |
| Bulk Send | Yes | Yes | Yes | Yes | No |
| Audit Trail | Yes | Yes | Yes | Yes | Yes |
| HIPAA Compliant | Yes | Yes | Yes | No | No |
| Envelope Cap | No cap | 100 envelopes/user/year | Varies by plan | Varies by plan | Varies by plan |