Last week we discussed Schedule E, unsecured priority debts. Also on Official Form 106E/F are general unsecured debts. General unsecured debts are the most common type of debt in bankruptcy. They are anything that isn’t a secured debt (Schedule D) or a priority debt (Schedule E). General unsecured debts include credit cards (except in-store cards as discussed under Schedule D, personal loans, medical bills, dentist bills, bank overdrafts — anything else that you owe not listed in Schedules D or E.
Completing Schedule F is straightforward now that you’ve already completed Schedules D and E. Simply give the information requested for each unsecured debt that you have. One question that frequently comes up is, “do I have to call each creditor to get the exact amount I owe?” The answer is NO. Use whatever is on the latest statement or invoice from a creditor. The amounts don’t have to be exact because, if there is money available to the trustee to make a distribution from, creditors will have to file proofs of claim asserting how much they claim is owed. At that time, you as the debtor or the trustee can demand proof from the creditor to support its claim.