Houston Texas Creditors Holding Secured Claims — Schedule — - Form 6D - Post 2005 is a legal document used in bankruptcy cases. It contains crucial information about creditors who hold secured claims against the debtor's assets in Houston, Texas, after the year 2005. Secured creditors are individuals or entities that have a legally recognized interest in specific collateral or property. These creditors have a higher priority in receiving payment from the debtor compared to unsecured creditors in bankruptcy proceedings. Schedule D is a required form that debtors must complete to list all creditors with secured claims. Houston, Texas, being a major metropolitan area, has various types of creditors holding secured claims. Some common examples include: 1. Mortgage Lenders: These are financial institutions or lenders who have provided loans to individuals or businesses to purchase real estate property. When a borrower defaults on their mortgage, the lender has a secured claim on the property. 2. Auto Loan Providers: Creditors who have financed the purchase of vehicles through loans or leases hold secured claims. If the borrower fails to make payments, the lender can repossess the vehicle to satisfy the debt. 3. Equipment Financing Companies: Businesses often obtain equipment loans or leases to acquire necessary machinery or tools for their operations. These creditors hold secured claims against the specific equipment, allowing them to repossess it in case of default. 4. Home Equity Loan Providers: Homeowners who have taken out home equity loans or lines of credit may have creditors holding secured claims against the property's equity. Failure to repay these loans can result in foreclosure. 5. Secured Credit Card Issuers: In some cases, creditors offer secured credit cards where the credit limit is secured by collateral. If the cardholder defaults on their payments, the creditor can seize the collateral assets. It is important to note that the name variations of Houston Texas Creditors Holding Secured Claims — Schedule — - Form 6D - Post 2005 can vary, but the purpose remains the same — to disclose the creditors and their secured claims in bankruptcy proceedings occurring in Houston, Texas, after 2005. This legal document plays a critical role in bankruptcy cases as it allows the court, the debtor, and all parties involved to understand which creditors have a secured interest in specific assets.