Schedule C — Your Exemptions
Official Form 106C lets you claim specific property as exempt from the bankruptcy estate, protecting it from liquidation by the trustee. You choose either the federal exemption scheme (11 U.S.C. § 522(d)) or your state’s exemptions, then list each asset you are claiming along with the authorizing statute. The wizard generates a court-ready PDF — free, no signup required.
Debtor information
Enter your name and case number exactly as they appear on your bankruptcy petition. If you don’t have a case number yet, leave it blank.
Common questions
What is Schedule C in bankruptcy?
Schedule C (Form 106C) lists the property you are claiming as exempt from the bankruptcy estate. Exempt property is protected — the trustee cannot sell it to pay creditors.
Should I use federal or state exemptions?
Depends on your state. Some states opt out of the federal scheme (e.g., Utah, Texas) and require state exemptions. States that allow a choice — pick whichever protects more of your property.
What is the wildcard exemption?
Under § 522(d)(5), you can exempt up to $1,475 of any property plus unused homestead exemption (up to $13,950). Useful for protecting cash or assets not covered by specific exemptions.
What if the trustee objects to my exemptions?
The trustee has 30 days after the § 341 meeting to object. If sustained, the non-exempt portion may be sold. Consult a bankruptcy attorney if you are unsure about any exemption claim.
Schedule A/B — Property — free
List all property you own before claiming exemptions. Schedule C exemptions reference assets you disclose on Schedule A/B.
Open Schedule A/B wizardCase Pass — $149
All bankruptcy forms, schedules, the means test, statement of intention, and unlimited follow-up questions for one case, 12 months.
Compare plansNot legal advice. SynthCounsel is not a law firm. Exemption law varies significantly by state — always verify statute citations and consult a licensed bankruptcy attorney before filing.