Contra Costa California Creditors Holding Secured Claims — Schedule D – Form 6D – Post 2005 is a legal document used in bankruptcy cases to list creditors who hold secured claims. This form is specific to Contra Costa County in California and applies to cases filed after 2005. It is crucial for individuals or businesses going through bankruptcy proceedings to accurately complete this form in order to protect their interests and ensure compliance with bankruptcy laws. Secured claims are debts that are backed by collateral. When a creditor holds a secured claim, they have the right to take possession of the collateral if the borrower fails to repay the debt. This form identifies the creditors who have secured claims against the filer's property or assets, providing detailed information about the creditors and the amount of debt owed. Some common types of Contra Costa California Creditors Holding Secured Claims — Schedule D – Form 6D – Post 2005 may include: 1. Mortgage Companies: These are lenders who have provided loans for real estate purchases. They hold a secured claim against the property being mortgaged. 2. Auto Loan Providers: This category encompasses lenders who have financed the purchase of vehicles. If the borrower defaults on their auto loan, the creditor can repossess the vehicle to recover their debt. 3. Secured Credit Card Companies: These creditors hold a secured claim against the filer's assets, such as funds held in a deposit account, to secure the credit extended through a secured credit card. 4. Equipment Financing Companies: These entities specialize in providing loans to purchase equipment for businesses. Failure to repay the loan may result in repossession of the equipment. 5. Personal Property Lenders: This includes creditors who have extended loans against personal property, such as jewelry, art, or collectibles. It is essential to accurately disclose all the relevant information in this form, including the name and address of each creditor, the nature of the security held, the value of the security, and any unsecured portion of the debt. Failure to provide accurate and comprehensive information may result in complications during the bankruptcy process. In summary, Contra Costa California Creditors Holding Secured Claims — Schedule D – Form 6D – Post 2005 is a crucial document in bankruptcy cases. It provides a comprehensive list of creditors holding secured claims against a filer's assets or property. Accurate completion of this form ensures that all parties involved are properly informed and protected throughout the bankruptcy proceedings.