Yes, you must list all of your creditors and debts on your bankruptcy schedules, even debts that are non-dischargeable or secured. Omitting a creditor constitutes perjury and can result in denial of discharge. You should assume that your creditors will know that you filed bankruptcy, even if you do not include them on your schedules because most major credit card companies use a national data base to learn who has filed bankruptcy. Credit card companies routinely cancel cards once a debtor has filed bankruptcy, whether or not a balance is owed.

However, you can reaffirm any debt you choose after the filing. You can pay a creditor after you receive a discharge, without becoming legally liable to continue paying. Listing a creditor does not prevent you from paying creditors you want to pay after bankruptcy. Contact us if you would like to learn more. – by Alice Pare