Free Bankruptcy Forms for Covington, KY

Covington, Kentucky 41011

Residents of Kenton County, Kentucky need bankruptcy forms for the Kentucky Eastern District Bankruptcy Court


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Local Forms Required by the Kentucky Eastern District Bankruptcy Court

Every local bankruptcy court has one or more additional special forms that you must file when you file the standard set of bankruptcy forms. All courts have special local requirements for the "mailing matrix" of the names and addresses of your creditors. Every court publishes very specific rules about how this list must be formatted so that the court can scan it into its computer system. Check your court's website (Kentucky Eastern District Bankruptcy Court) to find out its mailing matrix requirements, as well as other required forms. Such requirements are typically found in a list of local rules.

If you're lucky, your court may publish a special procedural guide specifically for debtors who are filing without a lawyer. Until recently, most courts, however, did not offer this kind of information on their web sites. That has changed a lot in the past few years and several courts offer very good information.

Local forms for the Kentucky Eastern District Bankruptcy Court and local rules can be obtained by clicking here

Local forms you're likely to need

Each district court has its own preferred format for the mailing matrix -- a list of of creditors that you must supply when you file, formatted in a certain way so that the court can scan it.

Matrix requirements can be found in the local rules or sometimes a separate instruction sheet available on the website.

Your court may also have a local requirements regarding any reaffirmation agreement you make with a creditor. Courts review such agreements closely to make sure the creditor is not ripping you off and that one creditor is not benefiting at the expense of others.


Free PDF Downloadable Bankruptcy Forms

Can't find what you're looking for? Additional forms can be found at the official forms page forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.  Source:

Form Number
Form Name

Forms That Start the Process

B 101 Voluntary Petition for Individuals Filing for Bankruptcy
This is the form that starts the bankruptcy process. Don't file this unless you've completed a credit counseling course first.
B 101A Initial Statement About an Eviction Judgment Against You (individuals)
B 101B Statement About Payment of an Eviction Judgment Against You (individuals)
B 103A Application for Individuals to Pay the Filing Fee in Installments
B 103B Application to Have the Chapter 7 Filing Fee Waived
If your income is low, this form can get your filing fee waived

The Schedules:

Where you list 
- all your own, what you owe, and 
- whom you owe it to 
- how you'd like to handle your secured debts (auto, home, etc.)

Summaries and cover sheets of schedules

B 106 Declaration Declaration About an Individual Debtor’s Schedules
B 106 Summary A Summary of Your Assets and Liabilities and Certain Statistical Information (individuals)

Your Property: Schedules A/B and C

Real Estate and all other kinds of property you own: Schedule A/B

B 106A/B Schedule A/B: Property (individuals)

Exempt property (property you can keep): Schedule C

B 106C Schedule C: The Property You Claim as Exempt (individuals)

Your Debts: Schedules D and E/F

Secured Debts: Schedule D

Debts for which you have pledged collateral, like home loans and car loans.

B 106D Schedule D: Creditors Who Hold Claims Secured By Property (individuals)

Unsecured Debts: Schedule E/F

This single form combines two kinds of unsecured debts. 

  • Priority claims: Child Support, Taxes, etc. 
  • Non-priority claims: Credit Card Debt. Medical Debt, etc.
B 106E/F Schedule E/F: Creditors Who Have Unsecured Claims (individuals)

Contracts and Leases that are ongoing: Schedule G

B 106G Schedule G: Executory Contracts and Unexpired Leases (individuals)

Codebtors: Schedule H

Did you know that your co-signors will be stuck with whatever debt you are discharged of? Here's where you list them.

B 106H Schedule H: Your Codebtors (individuals)

Your Income & Expenses: Schedules I & J

Your Income: Schedule I

B 106I Schedule I: Your Income (individuals)

Your Expenses: Schedule J

B 106J Schedule J: Your Expenses (individuals)
B 106J-2 Schedule J-2: Expenses for Separate Household of Debtor 2 (individuals)

Statement of Financial Affairs

B 107 Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (individuals)

What you plan to do with your secured debts:

B 108 Statement of Intention for Individuals Filing Under Chapter 7

If You Got Help from a BPP; Social Security #

B 119 Bankruptcy Petition Preparer’s Notice, Declaration and Signature
B 121 Your Statement About Your Social Security Numbers

Means Test Forms

For Chapter 7

B 122A-1 Chapter 7 Statement of Your Current Monthly Income
B 122A-1Supp Statement of Exemption from Presumption of Abuse Under §707(b)(2)
B 122A-2 Chapter 7 Means Test Calculation

For Chapter 13

B 122C-1 Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period
B 122C-2 Chapter 13 Calculation of Your Disposable Income

Reaffirmation Agreements

B 2400A Reaffirmation Documents
B 2400A/B ALT Reaffirmation Agreement
B 2400B Motion for Approval of Reaffirmation Agreement
B 2400C Order on Reaffirmation Agreement
B 2400C ALT Order on Reaffirmation Agreement (Alt.)

Adversary Proceedings

B 1040 Adversary Proceeding Cover Sheet

Can't find what you're looking for? Additional forms can be found at the official forms page forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.




Required Forms & Fees for the Kentucky Eastern District Bankruptcy Court

Each court has its own local rules, but the basic bankruptcy consists of the forms you see listed in the outline below, plus any additional forms the Kentucky Eastern District Bankruptcy Court may require. 

Also, be sure to check the Kentucky Eastern District Bankruptcy Court page for Filing Without An Attorney. It will guide you to helpful information about how to use the forms. 

Timeliness note: Always check that the date on the form you're using is the date of the form your court currently requires -- or will require in the future, on the date you're planning to file. Each form has a a month and year in the upper right corner.
Sometimes forms are updated and change several times during a year, and other times there may be no changes for a year or more. We make every effort to keep the links on this page up to date, but it's essential that you confirm with the Kentucky Eastern District Bankruptcy Court that you are using what they consider to be the current version of all forms.

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Basic Forms You Will Need In Any Court

The information below is based on the official bankruptcy form instructions booklet for individuals (PDF 119K) that the government is providing for the first time as of December 1, 2015 and updated in 2020. 

Before You File Your Case

Before you file for bankruptcy, you must do several things:

When You File Your Case

There are several forms and documents that you must give the court at the time you file. Additional forms and documents must be filed no later than 14 days after you file your bankruptcy case, although they may be filed at the same time you file your case.

You must file the forms listed below on the date you open your bankruptcy case. For copies of the forms listed here, go here. (The list continues on the next page.):

When you file your bankruptcy case or within 14 days after you file

You must file the forms listed below either when you file your bankruptcy case or within 14 days after you file your Voluntary Petition for Individuals Filing for Bankruptcy (Official Form 101). If you do not do so, your case may be dismissed. Although it is possible to open your case by submitting only the documents that are listed under When you file your bankruptcy case, you should file the entire set of forms at one time to help your case proceed smoothly.

Although some forms may ask you similar questions, you must fill out all of the forms completely to protect your legal rights.

The list below shows the forms that all individuals must file as well as the forms that are specific to each chapter. For copies of the official forms listed here, go to

All individuals who file for bankruptcy must file these forms and the forms for the specific chapter:

Schedules of Assets and Liabilities (Official Form 106) which includes these forms:

If you file under chapter 7, you must also file:

If you file under chapter 13, you must also file:

Other Useful Forms

Request for Transcript of Tax Return (IRS 4506-T)

Glossary of Bankruptcy Terminology

The U.S. Federal Bankruptcy Courts website offers a fairly decent, plain-English glossary of bankruptcy terminology, which can be helpful when reading local rules and forms.


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Getting help with forms and filing

Official Instructions and Committee Reports

Instructions are easier to come by than they used to be. The official U.S. Court website now offers instructions with these forms.

In addition they offer a link to the congressional committee reports that were written at the time the forms were created and revised. These committee reports are not step-by-step instructions, but rather a broad description of the purpose of each form.

Books that provide instructions for filling in official forms

The legal publisher Nolo publishes a comprehensive bankruptcy form instruction book (which I co-author). This book takes you through each form, line by line, explains what the terminology means, and provides examples. It also alerts you to situations that may require more help.

Bankruptcy Software

There are several software products designed for lawyers that will prepare full sets of bankruptcy forms, but these programs assume you already know bankruptcy law and are designed for filing multiple bankruptcies. In short, they're not appropriate for first-time bankruptcy filers.

There are also a few packages purportedly offered for consumers. Proceed with caution. Some of these packages are little more than PDF versions of the forms, which are are available free from the courts themselves.

If you are not a lawyer, the only value of these products would depend on the quality of the instructions they provide. You'll need instructions on how to complete each form, as well as a good understanding of how each form fits into the larger process of filing for bankruptcy.

Bankruptcy Lawyers

See Bankruptcy Lawyers

Bankruptcy Petition Preparers (BPP)

Bankruptcy Petition Preparers (BPPs) are nonlawyers who offer help in filling in the forms. The latest revision of the bankruptcy laws formally recognized these services as legitimate, but also imposed severe restrictions on what they can charge and scope of the services they can perform.

What BPPs Can't Do

Lawyers have jealously guarded their turf when it comes to bankruptcy. Lawyers already lost this battle in the area of tax preparation. Today, non-lawyer tax preparers openly advertise the good advice they can give you in addition to completing your forms. BPPs can do no such thing when it comes to bankruptcy forms.

Under the new bankruptcy law, BPPs must give debtors a form that lists all the things BPPs can't do (form B 119), and all the topics they can't discuss -- basically anything that might be characterized as legal advice. Thus, the sort of tips that tax preparers commonly give to people when preparing their taxes, BPPs can't give when bankruptcy forms. (Some believe this raises profound First Amendment and restraint of trade issues.)

How to File For Chapter 7 Bankruptcy (HFB book) will not give you specific advice, either, but it does discuss important facts to consider in making the kinds of decisions listed the following table:

What BPPs can't do (language of Form B 19) Plain English Where topic is covered in HFB Book.
I am forbidden
to offer you
 any legal advice, including advice about any of the following:
• whether to file a petition under the Bankruptcy Code (11 U.S.C. § 101 et seq.); Whether you should file for bankruptcy Ch. 1 (free sample chapter)
• whether commencing a case under chapter 7, 11, 12, or 13 is appropriate; What kind of bankruptcy you should file for Ch. 1 (free sample chapter)
• whether your debts will be eliminated or discharged in a case under the Bankruptcy Code; Which debts are non-dischargeable, secured, etc. Ch's. 9, 5
• whether you will be able to retain your home, car, or other property after commencing a case
under the Bankruptcy Code;
Whether you'll lose your house, car, or other property Chs. 3, 4, 5
• concerning the tax consequences of a case brought under the Bankruptcy Code; Tax consequences Not covered
• concerning the dischargeability of tax claims; Whether or not your tax debts will be wiped out Ch. 9
• whether you may or should promise to repay debts to a creditor or enter into a reaffirmation
agreement with a creditor to reaffirm a debt;
Which secured loans are worth hanging onto, versus other options (e.g. surrendering property) Ch. 5
• concerning how to characterize the nature of your interests in property or your debts; or Whether property is exempt
into which exemption category a particular item fits
Ch. 3, 4
• concerning bankruptcy procedures and rights. What happens in bankruptcy; what are your rights Whole book