Completing the Declaration Concerning Debtor’s Schedules

In the Declaration Concerning Debtor's Schedules, you swear that the information you've provided in the bankruptcy schedules is true.

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When you file for Chapter 7 or Chapter 13 bankruptcy, you complete a large number of “official” bankruptcy forms. One of the required forms is called the Declaration Concerning Debtor’s Schedules.

Here’s what the Declaration Concerning Debtor’s Schedules is and how to fill it out.

The Bankruptcy Schedules and the Declaration

In bankruptcy, you must file a number of forms, called schedules, which contain detailed information about your debts, assets, income, and expenses. On the Declaration Concerning Debtor’s Schedules, you swear under penalty of perjury that everything you included in those forms is true and correct.

As in all of the bankruptcy forms, it is imperative that you provide accurate and complete information. Deliberate lying will get you into major trouble, including a possible denial of discharge, a fine of up to $500,000, and up to five years in prison.

 (To learn about the other forms you must file in Chapter 7 and Chapter 13 bankruptcy, including the schedules, see Completing the Bankruptcy Forms.)

Getting the Declaration Concerning Debtor’s Schedules

You can find the most recent version of the Declaration Concerning Debtor’s Schedules on the U.S. Court’s website at To learn more about getting the official and other forms, see The Bankruptcy Forms: Getting Started.

How to Complete the Declaration Concerning Debtor’s Schedules

Fill in the total number of sheets that constitute your Schedules A through J and the Summary of Schedules. Then sign the Declaration. If you are filing jointly, both parties must sign this form.

This article provides general information only. There are many legal issues involved and important decisions to be made when filing for bankruptcy. You must understand the entire bankruptcy process, learn about the applicable federal and state laws, and determine how those laws will affect your particular situation before you complete the bankruptcy forms. If you want to file bankruptcy without a lawyer, use a good do-it-yourself book like Nolo's How to File for Chapter 7 Bankruptcy to ensure you make well informed decisions about your bankruptcy case.

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