What Is Schedule G? Executory Contracts and Leases

Schedule G in bankruptcy is the form where you list every contract and lease you’re still in the middle of on the day you file. Officially titled Form 106G, it captures apartment leases, car leases, cell phone plans, gym memberships, employment agreements, and any other deal where both you and the other side still owe something. What you write on it drives the next decision: whether to keep each agreement or walk away.

What Belongs on Schedule G

The form covers two things: executory contracts and unexpired leases. An executory contract is any agreement where both you and the other party still have obligations to perform when you file. An unexpired lease is a lease whose term hasn’t ended yet.¹ Agreements that are already fully performed on both sides, or that have already expired, don’t belong here. If you have none at all, you check “no” on the first question and move on.

The scope is wider than most people expect. Typical entries include:

Property leases: apartments, rental houses, commercial space, storage units, land leases.
Personal property leases: vehicle leases, equipment rentals, furniture lease-to-own contracts.
Service contracts: cell phone plans, internet service, gym memberships, streaming subscriptions with fixed terms.
Professional agreements: employment contracts, consulting deals, and independent contractor agreements where both sides still owe performance.
Licenses and maintenance plans: software licenses and equipment maintenance agreements that call for ongoing performance from both sides.

The test isn’t whether the agreement feels important. It’s whether both sides still owe something. A month-to-month gym membership counts the same as a five-year commercial lease.

How to Fill Out the Form

For each contract or lease, you list two things: the name and mailing address of the other party, and a short description of what the agreement covers.² The form itself suggests descriptions like “rent,” “vehicle lease,” or “cell phone.” You don’t attach copies of the actual contracts, but keeping them nearby helps you describe each one accurately.

The form has no dedicated fields for expiration dates or account numbers. Adding those details in the description helps the trustee and the other party identify the right agreement. You can download the form from the U.S. Courts website under the bankruptcy forms section.³

Keeping or Walking Away From Each Agreement

Listing a contract isn’t the end of the story. Under federal law, each executory contract and unexpired lease has to be either assumed or rejected during your case.⁴ Assumption means you keep the agreement and continue performing under its original terms. Rejection means you walk away, and the law treats that as a breach happening the instant before you filed.

Assumption comes with a catch if you’re behind on payments. Before the court will approve it, you have to cure the default — pay everything past due, compensate the other party for any actual financial loss from the missed payments, and show you can keep up going forward.⁴ That cure requirement stops a lot of debtors. Three months behind on a car lease means finding those three months in a lump sum unless the lessor agrees to a payment plan.

Rejection is simpler. The other party can file a claim for damages from the breach, but your personal liability on that claim is typically discharged with your other debts. You give up the leased car or drop the service contract, and the damages claim rides along as an unsecured debt in your case.

Deadlines

The clock depends on which chapter you filed and what kind of property is involved.

Chapter 7

In a Chapter 7 case, the trustee has 60 days from your filing date to assume or reject executory contracts and unexpired leases on residential and personal property. The court can extend that window, but if no one acts within it, the contract is deemed rejected automatically.⁴

Chapter 7 filers also have to file a Statement of Intention (Form 108), separately declaring for each personal property lease on Schedule G whether they’ll assume or reject it. That statement is due within 30 days of filing your petition or by the date of the meeting of creditors, whichever comes first.⁵ If you already know you want to keep a leased vehicle, filing the Statement of Intention with your initial petition is the safer move. Missing this deadline can lift the automatic stay that protects you from the lessor.

Chapter 13

In Chapter 13, you generally have until plan confirmation to decide on residential and personal property leases. The other party can ask the court to force an earlier decision, but without that request, you get the full runway to confirmation. Nonresidential real property leases where you’re the tenant are tighter: 120 days from the order for relief or plan confirmation, whichever comes first.⁴

What Happens If You Leave a Contract Off

Forgetting to list a contract creates real problems. Federal bankruptcy law says your case “shall be automatically dismissed” on the 46th day after filing if you haven’t submitted all required schedules, including Schedule G, within 45 days of your petition.⁶ The judge has no discretion on that point.

Even if you file Schedule G on time but miss a specific contract, the trouble can outlast the case. A contract the trustee never formally assumes or rejects is typically deemed rejected once the deadline passes, and the other party can pursue a breach claim. If the contract wasn’t disclosed, whether the discharge covers that claim can become a contested question after your case closes.

The fix is straightforward. Under Federal Rule of Bankruptcy Procedure 1009, you can amend Schedule G any time before the case is closed. You have to notify the trustee and any party affected by the change.⁷ The court charges $34 to amend your schedules, though a judge can waive that fee for good cause.⁸ Catching an omission early is far better than sorting it out after discharge.

Filing Schedule G

Schedule G is part of the initial petition package you submit to the bankruptcy clerk. Attorneys file electronically through the court’s Case Management/Electronic Case Files (CM/ECF) system. People representing themselves usually file paper copies in person or by mail at the local bankruptcy court. The rules require Schedule G to be filed with your petition or within 14 days afterward.⁹

Once filed, the trustee reads Schedule G alongside your other schedules to size up your ongoing obligations and whether any contract holds value for creditors. Expect questions about specific contracts at the meeting of creditors, which usually falls a few weeks after your filing date. A complete, accurate Schedule G filed at the outset keeps the case moving.

1
United States Courts. Instructions for Bankruptcy Forms for Individuals
2
United States Courts. Official Form 106G Schedule G Executory Contracts and Unexpired Leases
3
U.S. Courts. Bankruptcy Forms
4
Office of the Law Revision Counsel. 11 USC 365 Executory Contracts and Unexpired Leases
5
United States Courts. Statement of Intention for Individuals Filing Under Chapter 7
6
Office of the Law Revision Counsel. 11 USC 521 Debtors Duties
7
Cornell Law School. Federal Rules of Bankruptcy Procedure Rule 1009 Amending a Voluntary Petition, List, Schedule, or Statement
8
United States Courts. Bankruptcy Court Miscellaneous Fee Schedule
9
Cornell Law School. Federal Rules of Bankruptcy Procedure Rule 1007 Lists, Schedules, Statements, and Other Documents Time to File