Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Schedule A/B: Property

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  • Schedule A/B: Property


    For line 7 Electronics on Schedule A/B: Property:

    Has anyone just entered in something like misc electronics and a value? Or did you end up using a continuation page to detail every electronic you have, like Xbox, televisions, etc. For line 6, I just put Household goods and furnishings. I'm a little nervous not to list everything out, as I've heard if you don't list it you can lose it. However, I've studied some case filings on this form, and I see some attorneys list it as household goods on line 6... but for line 7 I've seen them put a computer or tv, etc, and actually list out one or two items. But I have several electronics and I'm just not sure what is best to do. I hoped to hear how some of you handled this on your forms. Thanks.

  • #2
    All I can tell you is that my attorney was so non-detailed on our belongings, I still can't believe it. I pictured everything being under the microscope, and in the end -- it simply wasn't. It almost seemed at our 341 meeting that our trustee hadn't looked at our documents ahead of time at all! He certainly wasn't questioning others about how old their DVD player was, or how many computers they had.


    • #3
      Except for really large/expensive items, I put miscellaneous electronics. For my flat-panel TVs, I listed each of them separated (I only had 2 of them when I filed and they were expensive "plasma" screens). No one lists every single little thing as some sort of inventory list. The items get grouped into manageable categories. Care must be taken not to make it seem as though you're fudging the numbers; that's why I listed the big screen TVs separately.
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      I am not an attorney. Any advice provided is not legal advice.


      • #4
        Thanks for your help!


        • #5
          Think of it like this, your petition is picture, a snapshot, of your financial life. You want the picture to be well composed and look natural (nothing out of place), the picture should have consistency. For example, if the debtor lives in a 2000 square foot, 3 bedroom home. is married with 2 kids, that schedule A will be expected to have certain things and look different than say someone with a 6000 square foot, 5 bedroom home. The question you ask is, does the petition make sense. You want enough detail so a person who knows nothing about you can visualize your situation from the documents, but you don't need to be hyper-detailed. So, to my first example (4 person household), you might expect there to be one, maybe two televisions, a BluRay Disc player, gaming console, and one, maybe 2 computers or laptops. I wouldn't suggest you get specific with make, model, age etc. So, the electronics entry might look like.

          Electronics: one 55 inch television, one BluRay Player, two personal computers, Value: $750.00

          However, no one is likely to question an entry of "Misc. home entertainment electronics." Nevertheless, I tend to recommend people be a bit more specific so that someone reading the petition can visualize your situation and not left to wonder. Reason being, "Misc. Home Entertain Electronics" for a chapter 7 filer living in a 1000 square foot apartment is very different from the failed business owner, who is divorced, living in a 6000 square foot house, earning $120,000 per year and filing chapter 13. You don't want the trustee to read the petition and ask, "I wonder what they mean by that?"

          Bear in mind, for valuing household goods an electronics, you use a garage sale or craigslist value. So, although that new 4K Ultra HD TV may have cost you $3000 six months ago, you would only likely get $500 if you tried to sell it, etc.


          • #6
            Thanks so much for your help everyone. Filing as pro se has been a very very VERY difficult thing for me to do. I appreciate all the information.


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