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Schedule D - Creditors Holding Secured Claims

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SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

In re , Case No.

Debtor (If known)

State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and other security interests.

List creditors in alphabetical order to the extent practicable. If a minor child is the creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). If all secured creditors will not fit on this page, use the continuation sheet provided.

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an “X” in the column labeled “Codebtor,” include the entity on the appropriate schedule of creditors, and complete Schedule H – Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.”

If the claim is contingent, place an “X” in the column labeled “Contingent.” If the claim is unliquidated, place an “X” in the column labeled “Unliquidated.” If the claim is disputed, place an “X” in the column labeled “Disputed.” (You may need to place an “X” in more than one of these three columns.)

Total the columns labeled “Amount of Claim Without Deducting Value of Collateral” and “Unsecured Portion, if Any” in the boxes labeled “Total(s)” on the last sheet of the completed schedule. Report the total from the column labeled “Amount of Claim Without Deducting Value of Collateral” also on the Summary of Schedules and, if the debtor is an individual with primarily consumer debts, report the total from the column labeled “Unsecured Portion, if Any” on the Statistical Summary of Certain Liabilities and Related Data.

Check this box if debtor has no creditors holding secured claims to report on this Schedule D.

CREDITOR’S NAME AND MAILING ADDRESS INCLUDING ZIP CODE AND AN ACCOUNT NUMBER (See Instructions Above.) CODEBTOR HUSBAND, WIFE, JOINT, OR COMMUNITY DATE CLAIM WAS INCURRED, NATURE OF LIEN, AND DESCRIPTION AND VALUE OF PROPERTY SUBJECT TO LIEN CONTINGENT UNLIQUIDATED DISPUTED AMOUNT OF CLAIM WITHOUT DEDUCTING VALUE OF COLLATERAL UNSECURED PORTION, IF ANY

ACCOUNT NO.

ACCOUNT NO.

ACCOUNT NO.

____ continuation sheets attached    Subtotal ► (Total of this page)

Total ► (Use only on last page)

(Report also on Summary of Schedules.)

(If applicable, report also on Statistical Summary of Certain Liabilities and Related Data.)

B6D (Official Form 6D) (12/07) – Cont. 2

In re , Case No.

Debtor (if known)

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

(Continuation Sheet)

CREDITOR’S NAME AND MAILING ADDRESS INCLUDING ZIP CODE AND AN ACCOUNT NUMBER (See Instructions Above.) CODEBTOR HUSBAND, WIFE, JOINT, OR COMMUNITY DATE CLAIM WAS INCURRED, NATURE OF LIEN, AND DESCRIPTION AND VALUE OF PROPERTY SUBJECT TO LIEN CONTINGENT UNLIQUIDATED DISPUTED AMOUNT OF CLAIM WITHOUT DEDUCTING VALUE OF COLLATERAL UNSECURED PORTION, IF ANY

ACCOUNT NO.

ACCOUNT NO.

ACCOUNT NO.

Sheet no. of continuation sheets attached to Schedule of Creditors Holding Secured Claims

Subtotal(s) ► (Total(s) of this page)

Total(s) ► (Use only on last page)

(Report also on Summary of Schedules.)

(If applicable, report also on Statistical Summary of Certain Liabilities and Related Data.)

Signature:

Date:

Attorney / Debtor Name:

Bar No. / Contact:

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What the Schedule D - Creditors Holding Secured Claims Is

The Schedule D - Creditors Holding Secured Claims is the bankruptcy schedule used to list creditors that hold secured claims against a debtor’s property. It is filed with the court as part of the debtor’s schedules and statement of financial affairs, and it identifies each secured creditor, the nature and value of the collateral, the amount of the claim, and whether the claim is disputed, contingent, or unliquidated. Accurate Schedule D entries help the trustee and creditors determine secured interests, lien priority, and whether collateral is surrendered, retained, or reclaimed under the bankruptcy plan.

Why an Accurate Schedule D Matters

Completing Schedule D correctly preserves creditor rights, clarifies lien priorities, and reduces the risk of claim objections or post-petition litigation. It provides the court and trustee the information needed to evaluate secured interests and to administer collateral under the applicable chapter of the Bankruptcy Code.

Why an Accurate Schedule D Matters

Who Prepares and Reviews Schedule D

A narrow set of parties typically prepare, review, or rely on Schedule D when a bankruptcy petition is filed.

  • Debtors and their counsel preparing a petition and schedules for filing with the bankruptcy court.
  • Bankruptcy trustees who assess liens, collateral values, and whether assets are available for distribution.
  • Secured creditors who verify claim amounts, collateral descriptions, and priority against other liens.

Accurate completion reduces follow-up discovery, shortens contested matters, and supports timely resolution of secured-claim disputes.

Core Elements of a Professional Schedule D

A professional Schedule D clearly documents secured-claim details, organizes entries by creditor, and supports proof by reference to loan documents and recorded liens. Each component below helps courts and parties evaluate secured claims efficiently.

Creditor Name

Full legal name of the secured creditor exactly as used in loan documents and public records to avoid mismatches during claims reconciliation.

Claim Amount

State the current principal, accrued interest, and fees claimed as secured, showing amounts as of the petition date and the basis for calculations.

Collateral Description

Describe collateral precisely (address, VIN, account number, legal description) so the trustee and other creditors can identify the liened property.

Lien Type

Identify whether the lien is mortgage, UCC-1 security interest, judgment lien, or statutory lien, and cite recording jurisdiction and instrument number when available.

Priority Notes

Record subordinate or senior lien positions, cross-collateralization, and any known intercreditor arrangements affecting distribution priorities.

Status Flags

Annotate whether the claim is disputed, contingent, unliquidated, or subject to reclamation, and reference supporting filings or proofs of claim.

Required Data Fields at a Glance

Creditor: Full legal name
Claim Amount: Principal + interest
Collateral: Precise description
Lien Type: Mortgage or UCC
Recording: Jurisdiction & instrument
Claim Status: Contested/Unliquidated

Step-by-Step: Completing and Filing Schedule D

Follow these practical steps to assemble Schedule D entries and ensure the schedule accompanies the petition when filed.

  • 01
    Gather Documents: Collect loan agreements, mortgages, and UCC-1s.
  • 02
    Verify Names: Confirm creditor legal names against records.
  • 03
    Calculate Balances: Compute amounts as of petition date.
  • 04
    File with Petition: Include Schedule D in electronic petition package.

Setting Up an Online Schedule D Workflow

Design a repeatable online workflow to collect secured-claim details, supporting docs, and signer authentication prior to court filing.

Field Configuration
Creditor Name Field Required, auto-fill from contact list
Collateral Upload Accept PDF/DOCX, attach recorded instruments
Amount Calculation Use formula fields for principal + interest
Signer Auth Email + SMS code or KBA option

Where to Submit Schedule D and Routing Basics

Schedule D must be submitted with the debtor’s petition to the appropriate bankruptcy court and delivered to the trustee and known secured creditors as required.

  • Court Filing: E-file with the bankruptcy court clerk via CM/ECF
  • Trustee Copy: Provide a complete schedule set to the trustee
  • Creditor Notice: Serve known secured creditors per local rules
  • Proofs of Claim: Creditors may file proofs of claim after schedule review

Technical Requirements for Digital Completion and Signing

Use a platform that supports PDF/Word import, field placement, and secure signatures when preparing Schedule D electronically.

  • File Formats: Accepts PDF, DOCX, and OCR-capable scans
  • Signatory Authentication: Email plus SMS or stronger methods available
  • Audit Trail: Captures timestamp, IP, and signer actions

Timing Considerations and Typical Deadlines

Deadlines for Schedule D align with bankruptcy filing and local court procedures; some milestones recur after the petition date and depend on chapter and local rules.

Filing Deadline:

File Schedule D with the petition; do not delay.

341 Meeting:

Meeting of creditors often scheduled within 20–60 days of filing

Proofs of Claim:

Secured creditors file proofs of claim as allowed under local bar dates

Claims Objections:

Trustee or debtor may object post-filing per local schedules

Amendments:

Amend Schedule D promptly if new secured claims are discovered

Common Mistakes to Avoid

  • Omitting a secured creditor entirely, which can later lead to claims disputes or motion practice.
  • Providing vague collateral descriptions that prevent the trustee from identifying the liened asset in public records.
  • Listing incorrect claim amounts without supporting calculations or documentation as of the petition date.
  • Failing to cite recording or UCC filing references that corroborate the secured interest in public records.

Risks and Consequences of Inaccurate Schedule D Entries

Missed Lien: Creditor may preserve rights by later filing claim
Objection: Trustee or creditor objection increases costs
Plan Delay: Incorrect entries can delay confirmation
Liability Risk: Debtor may face sanctions for bad-faith omissions
Reconciliation Burden: Increases administrative workload
Post-Confirmation: Claims disputes can arise after discharge

Practical Examples of Schedule D Entries

These short scenarios illustrate how secured claims and collateral descriptions typically appear on Schedule D.

Example 1

Debtor lists a mortgage on residential property

  • Mortgage recorded in Cook County, IL instrument #12345
  • Claim shows principal $120,000 as of petition date with address and legal description attached as Exhibit A.

Example 2

Debtor lists a secured vehicle loan

  • Lender claims secured interest in 2018 Ford F-150 VIN ending 6789
  • Amount claimed $18,250 as of petition date with loan account number and UCC filing cited.

eSignature Pricing Comparison for Preparing and Signing Schedule D

Compare basic plan-level starting prices and feature availability for common eSignature vendors. signNow appears first per vendor ordering rules.

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 Yes, 7-day trial Yes, trial available Yes, trial available Yes, trial available Yes, trial available
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Frequently Asked Questions and Troubleshooting

Answers to common Schedule D and e-signature issues, including authentication, amendments, and evidence the court will accept.


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