INSTRUCTIONS : SCHEDULE F -CREDITORS HOLDING UNSECURED NON-PRIORITY CLAIMS (Form B-6F)

• Schedule F on Form B-6 is the most important form for those who are seeking to eliminate their consumer or medical debts. Listed on Schedule F, includes those debts incurred from unpaid personal loans, credit cards, medical bills, bills for services rendered and any other debts that are secured by property. To expedite the process of filing Form B-6F-Schedule F-you will need to take these following steps:

Collecting the Required Information:
• The first step to streamlining the filing of Schedule F on Form B-6F is to acquire information regarding your personal debts or those debts incurred from medical expenses. To do this, have your most recent credit card statements at hand; if you are unsure as to the amount of debt you owe or the number of creditors seeking collection, obtain a credit report that will show all of your accounts. It is crucial that you have every non-secured creditor listed on schedule F.

• After you have obtained all of your debts, re-check; sift through the rest of your records for any bills that are not consumer in nature. If you were evicted from an apartment and owe back rent, if you have any unpaid medical bills, or if you owe anyone money for anything that is not secured by property, you must include them with this filing. The obtainment of all documents associated with your claim will prevent the creditor from going to court for the amount owed and obtaining a judgment against you.

Required Information on Schedule F:
• Schedule F contains 8 columns that read from left to right; each column tells you what information to enter in each designated box.

• The first information required is the creditor’s name, the mailing address, zip code and account number of your respective debts. Following this information you must list if there are any co-debtors attached to your debts.

• You then will list the date of the claim, the consideration for the claim, and the month that the account was opened. Following this information, you are required to label the particular debts as contingent, un-liquidated and disputed.

• After this information has been entered in the appropriate columns, enter the total amount of liability in the “amount of claim” section. Schedule F consists of three pages but more can be added if necessary.