The influence of cognitive organization, dysfunctional attitudes, and depressive "subtype" on the perceptions of negative life events is explored. BDI scores are used to delineate symptomatic and non-symptomatic groups. Construct content (sociotropic versus autonomous, as first defined by Beck) is used to identify predominant schema-type. Subjects completed a Problematic Situations Questionnaire with Dysfunctional Attitudes Scale. Results indicate that depressed individuals display more dysfunctional attitudes and negative affect in all types of negative situations; further the endorsement of dysfunctional attitudes is significantly more likely to occur in the context of schema-congruent situations. Findings are discussed a) in terms of the utility of personal constructs in the assessment of schema-type and b) in accordance with a person-event interactional model of depression.