Question about form D, E, & F

[Manzer]

Hi,
I am new to this forum. I am in the process of filing bankruptcy on my own and have a couple of questions for those of you who have filed. I'm confused about form d,e,f of the bankruptcy forms. I understand that form F is for credit cards, etc. But I have student loans and tax debt which I understand won't be dischargeable but do i still list them on one of these forms? Also, a car loan which I intend to keep and still pay on, do I still list this somewhere? Feedback is greatly appreciated.

Thanks

[HHM]

Yes, you LIST all your debts.

Your car loan goes on Schedule D, (Secured Debt), you just need to attach a statement of intention stating that you will re-affirm the debt (this form should be in your packet).

Your student loan goes on Schedule F, because you have to give them notice, but you are right, it won't be discharged.

Assuming your Tax Debt is for "income" tax, you will list that on Schedule E.

[Manzer]

Thank you for the response. Does this mean that they will all be notified that I am declaring bankruptcy. I'm going to graduate school very shortly and may need to take out more student loans. Should I not list my student loan company because of this?

[HHM]

Don't quote me but I don't think BK affects whether you get a student loan, but some others on this forum might have more experience with that particular issue. Student loans are non-discharable and backed by the government, so your individual credit worthiness is generally not a factor in student loan lending.

Your duty under the BK code is to list all your creditors, you will be asked under oath if you listed all your creditors.

[Manzer]

Thank you again! Just one more question about this...I have a dental bill, should I include this under form F?
If anyone else has feedback about the student loan issue too that would be great :p

[HHM]

Do you like your Dentist and want to visit them again :p

Strictly speaking, if you owe them money, then you should list it. But if its a relatively small amount, its not uncommon for people to "forget" that they owe their Dentist/Doctor, etc.

[HRx]

Thank you for the response. Does this mean that they will all be notified that I am declaring bankruptcy. I'm going to graduate school very shortly and may need to take out more student loans. Should I not list my student loan company because of this?

Here's the deal, student loans, private or government, aren't discharged under BK. They can ultimately get discharged, and there's a process that must occur in order for them to be discharged. But your current situtation doesn't qualify you.

You shouldn't have any problems getting approved for government student loans post BK, but private loans can deny you, and or will just change you higher interest for their loans.

Good Luck!

[Manzer]

Thanks again for the feeback. To HHM- No I don't want to go back to the dentist. He charged me $1000 for a crown that turned out very badly...I still owe about $650 of this. So I should put this on form f??