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Schedule H – Codebtors

INSTRUCTIONS : SCHEDULE H CO-DEBTORS (Form B-6H)


If you are completing a bankruptcy form Schedule H for codebtors, then you will need to have a set of clear instructions to help streamline the filing. In most instances, however, it is best to have a bankruptcy attorney assist you. Prior to the filing of Schedule H, you should understand what a codebtor is.


A codebtor refers to any individual who you share a debt with. For instance, in the event that you bought a car or a house, a codebtor is an individual who acts as your co-signer. Co-debtors are typically offered certain protections when the debtor files for bankruptcy; in addition, a codebtor may receive credit for payments that are made by the debtor on a debt during a bankruptcy case. In summation, the codebtor will not be penalized for the debtor’s bankruptcy.


Completing Schedule H:

To complete Form B-6H you must provide the trustee and the creditor with information concerning any and all codebtors. On this form, a codebtor represents an individual in a joint case who is liable for all debts that are listed by the debtor in the schedules of creditors. If you currently possess no codebtors then you will need to check the corresponding box and move forward to the next schedule. 


The Schedule H portion of the petition is a basic two column form; in the first column you will provide personal and basic information concerning you codebtor, such as their name, address and date of birth. In the next column you will list all information regarding the type of debt the co-signer took on for you. In this column you will provide all information regarding the debt, including the amount of the debt, the type of debt, the date it was agreed to, the amount unpaid and other particulars associated with the particular debt. In this section, you will also be detail characteristics associated with the co-debtor—for example, if the codebtor is not your spouse or if the individual co-signed a piece of property for you. 

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Proof Of Claim

INSTRUCTIONS: PROOF OF CLAIM

 

A proof of claim is submitted by creditors in a bankruptcy case to establish their claim for payment. This is filled out in response to a notice that a bankruptcy case has been established by the creditor in question. The proof of claim form may be attached with this notice or obtained from the website of the United States Courts system.

 

Proof of Claim Step 1: Enter the name of the debtor and the case number which has been assigned to their bankruptcy proceedings.

 

Proof of Claim Step 2: Enter the name of the creditor, as well as the name, address and contact information for where all subsequent notices regarding the progress of the case should be sent.

 

Proof of Claim Step 3: Enter the address where payments should be sent if it is different from the address listed above.

 

Proof of Claim Step 4: Enter the amount of the debt owed.

 

Proof of Claim Step 5: Enter the nature of the debt incurred, such as failure to pay for goods purchased or credit card debt.

 

Proof of Claim Step 6: Enter the last four digits of the social security number or tax identification number of the debtor.

 

Proof of Claim Step 7: If the debtor incurred their debt under a different name, list it next to 3a. If your business has a uniform claim number (used to identify large businesses), list it next to 3b.

 

Proof of Claim Step 8: If the claim is secured in the form of a lien placed upon the debtor's property (meaning it can be sold to pay off the debt), list the nature of the property in question, such as an automobile or real estate.

 

Proof of Claim Step 9: If your claim is defined as having priority under bankruptcy code 11 U.S.C. § 507 (a), note so under section 5. These include domestic support payments, wages or payments earned in the 180 days prior to bankruptcy being filed for and government taxes.

 

Proof of Claim Step 10: Note any payments which have been made by the creditor in section 6.

 

Proof of Claim Step 11: Attach copies of all documents which substantiate your claim, such as invoices.

 

Proof of Claim Step 12: Sign and date the form. This must be submitted to the bankruptcy court overseeing this case.

Download the PDF file .