Case caption
The names of Debtor 1 and Debtor 2, the district of the United States Bankruptcy Court, and the case number if known. Page 2 repeats Debtor 1's name and the case number.
B 427
Cover Sheet for Reaffirmation Agreement
- Agency
- U.S. Courts
- Revision
- 12/15
- Fillable fields
- 46
- Pages
- 2
- Official source
- U.S. Courts form page
- Checked
- October 20, 2026
Form B 427: Cover Sheet for Reaffirmation Agreement
Form B 427, Cover Sheet for Reaffirmation Agreement, is the Official Bankruptcy Form (Official Form 427) used in a case in the United States Bankruptcy Court. The U.S. Courts list it under Bankruptcy Forms. The current version is dated 12/15, and the U.S. Courts page lists it as effective on December 1, 2015. The page says the form is derived from Official Form 27, and that Official Bankruptcy Forms are approved by the Judicial Conference and must be used under Bankruptcy Rule 9009.
The form says anyone who is a party to a reaffirmation agreement may fill it out and file it, attached to the reaffirmation agreement, within the time set under Bankruptcy Rule 4008. Part 1 explains the repayment terms: the creditor, the amount of the debt, the annual percentage rate, any collateral, whether the creditor says the debt is nondischargeable, and the debtor's income and expenses. Part 2 is a signature certifying that the attached agreement is a true and correct copy.
This page explains the form in plain words and is not legal advice. You can fill it out free in your browser on this page and download the result without an account.
What's on Form B 427
Lines 1 to 3: Creditor, debt and interest
The creditor's name, the debt on the date the bankruptcy case was filed and the amount to be paid under the agreement, a monthly payment and number of months if the rate is fixed, and the APR before filing and under the agreement, fixed or adjustable.
Lines 4 and 5: Collateral and nondischargeability
Whether collateral secures the debt, with a description and its current market value, and whether the creditor asserts the debt is nondischargeable. If yes, the form asks for an attached explanation of the nature of the debt and the basis for that contention.
Line 6: Income and expenses
Two columns. Lines 6a to 6d use line 12 of Schedule I (Official Form 106I) and line 22c of Schedule J (Official Form 106J) to reach scheduled net monthly income. Lines 6e to 6h use the amounts stated on the reaffirmation agreement to reach present net monthly income.
Lines 7 to 10: Differences and certification
Whether the income or expense amounts differ between the two columns, and whether net monthly income on line 6h is less than 0. Line 10 is the debtor's certification that each explanation on lines 7 to 9 is true and correct.
Line 11 and Part 2: Attorney and signature
Whether an attorney represented the debtor in negotiating the agreement and has executed a declaration or an affidavit to support it. Part 2 certifies that the attached agreement is a true and correct copy, with signature, date, printed name and a box for who signs.
How to fill out Form B 427
- 1
Fill in the case caption
Enter the debtor names, the district and the case number if known at the top of page 1, and Debtor 1's name and the case number at the top of page 2.
- 2
Describe the debt
Lines 1 to 5 ask for the creditor, the debt amounts, the APR and whether it is fixed or adjustable, any collateral and its current market value, and whether the creditor asserts the debt is nondischargeable.
- 3
Copy the schedule amounts
Line 6 asks for combined monthly income from line 12 of Schedule I and monthly expenses from line 22c of Schedule J, then the amounts stated on the reaffirmation agreement. The form says to put a total that is less than 0 in brackets.
- 4
Explain any differences
If the answer on line 7, 8 or 9 is Yes, the form asks for an explanation and for line 10 to be completed. Line 9 asks how the debtor will make monthly payments on the reaffirmed debt and pay other living expenses. If all answers are No, the form says to go to line 11.
- 5
Sign Part 2
Whoever fills out the form signs and dates Part 2, prints their name and checks Debtor or Debtor's Attorney, or Creditor or Creditor's Attorney.
- 6
Attach it and file
The form says to fill it out completely, attach it to the reaffirmation agreement, and file the documents within the time set under Bankruptcy Rule 4008.
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Where it is filed, timing and notes
Where it is filed
With the United States Bankruptcy Court for the district named at the top of page 1, attached to the reaffirmation agreement.
Timing
The form says to file the documents within the time set under Bankruptcy Rule 4008. It does not print a number of days.
Fee
The form does not print a fee.
Presumption of hardship
Line 9 says that if net monthly income on line 6h is less than 0, a presumption of hardship arises, unless the creditor is a credit union.
Annual Percentage Rate
The 2015 committee note says section 524(k)(3)(E) of the Bankruptcy Code defines the Annual Percentage Rate disclosed with a reaffirmation agreement, and in appropriate circumstances permits disclosure of the simple interest rate as the Annual Percentage Rate.
Related forms
Who uses Form B 427?
The form says anyone who is a party to a reaffirmation agreement may fill it out and file it. Part 2 names who signs.
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Questions about Form B 427
Who can file Form B 427?
The form says anyone who is a party to a reaffirmation agreement may fill it out and file it. Part 2 has boxes for the debtor or the debtor's attorney and for the creditor or the creditor's attorney.
Is Form B 427 the reaffirmation agreement itself?
No. It is a cover sheet. The form says to attach it to the reaffirmation agreement, and Part 2 certifies that the attached agreement is a true and correct copy of the agreement between the parties named on the cover sheet.
Where do the line 6 amounts come from?
The left column uses combined monthly income from line 12 of Schedule I and monthly expenses from line 22c of Schedule J. The right column uses the income and expenses stated on the reaffirmation agreement.
What happens if net monthly income on line 6h is less than 0?
Line 9 says a presumption of hardship arises, unless the creditor is a credit union. It asks for an explanation of how the debtor will make monthly payments on the reaffirmed debt and pay other living expenses, and for the debtor to sign line 10.
When is Form B 427 filed?
The form says to file it with the reaffirmation agreement within the time set under Bankruptcy Rule 4008. The form does not print a number of days.
What did Form B 427 replace?
The U.S. Courts page says it is derived from Official Form 27. The 2015 committee note says it replaces former Official Form 27, Reaffirmation Agreement Cover Sheet, and was reformatted with legal terms explained more fully or replaced with commonly understood terms.