Attorney at Law
Do I Have to List All My Debts in Bankruptcy?
Yes, you have to list each and every debt in your bankruptcy papers. It is not optional, because you are not allowed to declare bankruptcy on some debts and not others. The law requires you to list all of your debts in Schedules D, E and F of your bankruptcy petition and sign those schedules under penalty of purjury to indicate that you have not omitted any creditors. If after the bankruptcy you choose to voluntarily repay one of the debts that was listed in your bankruptcy petition, nobody is going to stop you, but on the other hand it doesn't make any financial sense and you are not required to do this.
Usually when people want to leave a debt off of their bankruptcy it is because they have a small credit card that they want to continue using after bankruptcy. Unfortunately even if for some reason that debt did not get listed in your bankruptcy paperwork, the credit card would get canceled anyway. This is because the credit card companies regularly check your credit report and when you file bankruptcy they will see that that happened and cancel your card. They do this because there are strict rules against continuing to deal with someone who declared bankruptcy, and the credit card companies want to protect themselves from getting sued for breaking those rules.