In short
A secured claim is a debt with collateral behind it. If it isn’t paid, the creditor has a right to the property. Schedule D lists those debts and the property tied to each.
The form opens with a yes-or-no question. Someone with no secured debts checks a box and the rest of the form stays blank, but it’s still filed.
Who files it
Every individual debtor, in Chapter 7 and Chapter 13, including those with no secured debts.
What it asks
Part 1: List All Secured Claims
For each claim: the creditor’s name and address, the property that secures it, when the debt was taken on, the amount of the claim, the value of the collateral, and any part of the claim the collateral doesn’t cover. It also asks what kind of lien it is (an agreement such as a mortgage or car loan, a statutory lien such as a tax lien, or a judgment lien from a lawsuit) and whether the claim is contingent, unliquidated or disputed.
Part 2: List Others to Be Notified for a Debt That You Already Listed
Anyone else who should get notice about a debt in Part 1, such as a collection agency or a second creditor on the same claim.
When it’s filed
It’s filed with the petition, or within 14 days after it. That’s the deadline Bankruptcy Rule 1007(c) sets for the schedules and statements.
Related forms
- Schedule A/B: Property (Official Form 106A/B)
- Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)
- Statement of Intention for Individuals Filing Under Chapter 7 (Official Form 108)
- Schedule H: Your Codebtors (Official Form 106H)
The official form
Official Form 106D is 3 pages long and is used in Chapter 7 and Chapter 13 cases. This guide describes the 12/15 revision, the date printed beside the form’s title. The federal courts publish the form and replace it when it changes, so their page always has the current one.
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