---
title: "Official Form 106 schedules and the debtor's declaration (individuals)"
url: "https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/us-official-form-106"
type: "precedent"
site: "AI Law Framework"
id: "a8-us-official-form-106"
area_id: "A8"
kind: "form"
ai_level: "red"
version: 1
task_ids: ["A8-T1-R10"]
law_stated_as_at: "2026-10-22"
---

# Official Form 106 schedules and the debtor's declaration (individuals)

> Link to the Official Form 106 set: the individual debtor's schedules and the declaration that they are true. The declaration is under penalty of perjury and covers every schedule filed with it.

Canonical page: https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/us-official-form-106  
Law stated as at: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Form. A form to complete, or a guide to completing an official one.
- Practice area: [Insolvency, Restructuring & Bankruptcy](https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy.md)
- Jurisdictions: United States
- AI level: Red. You write the text. The tool writes nothing into the document. Where permitted, it may check, clarify or collect data, and anything it checks or collects is verified.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the official form at uscourts.gov and the 4 authorities it cites, for United States.

## When to use it

Use when an individual debtor files or amends bankruptcy schedules. File Official Form 106Dec whenever schedules or amended schedules are filed. Download each current schedule from the bankruptcy forms list.

## Used for these tasks

- [Prepare personal-insolvency papers: bankruptcy notice, petition or equivalent](https://ailawframework.com/practice/insolvency-restructuring-and-bankruptcy/prepare-personal-insolvency-papers-bankruptcy-notice-petition-or-equival.md)

## How AI may be used

Official Form 106Dec is signed under penalty of perjury for the summary and schedules, so the tool does not draft schedule entries or the declaration.

**AI may:**

- Build a working index of assets, debts, leases and codebtors from the file, with document dates, that stays off the official forms
- Compare a lawyer-prepared schedule with that index and list items on one and not the other
- List which of the 106 forms the draft includes and which the forms list still shows as part of the individual set

**AI must not:**

- Must not write values, creditor names, exemption claims or the declaration
- Must not classify a claim as secured, priority or unsecured
- Must not decide what property is exempt
- Must not hide property, round a balance, or omit a codebtor to make the schedules shorter

**The lawyer checks:**

- Form 106Dec is filed with every set of schedules or amended schedules, and both spouses sign in a joint case
- The declaration the debtor signs states that the debtor has read the summary and schedules and that they are true and correct
- If someone who is not a lawyer was paid or will be paid to help, Official Form 119 is attached, as 106Dec asks
- The same person is Debtor 1 as on Official Form 101
- The forms are the current official forms, altered only as Rule 9009 allows

## Authorities

- [Administrative Office of the U.S. Courts, Bankruptcy Forms list (Official Forms 106)](https://www.uscourts.gov/forms-rules/forms/bankruptcy-forms)
- [Official Form 106Dec, Declaration About an Individual Debtor's Schedules, effective 1 December 2015](https://www.uscourts.gov/forms-rules/forms/declaration-about-individual-debtors-schedules)
- [Official Form 106Dec (PDF)](https://www.uscourts.gov/sites/default/files/form_b106dec.pdf)
- [Federal Rule of Bankruptcy Procedure 9009 (Legal Information Institute)](https://www.law.cornell.edu/rules/frbp/rule_9009)

## Official form

[Official form](https://www.uscourts.gov/forms-rules/forms/declaration-about-individual-debtors-schedules)

## Where this comes from

The official form is published by uscourts.gov; this page is a completion guide. Last checked on 2026-10-22.

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/insolvency-restructuring-and-bankruptcy/us-official-form-106 and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*