• Will I have to give up all my assets?
  
• Do I have to list all my debts?
  
• Will I lose my house even if I'm current?
  
• Will the trustee come to my house?
  
• Does my spouse have to file bankruptcy with me?
  
• Will bankruptcy stop wage garnishments?
  
• Are there debts that I cannot discharge?
  
• Is the IRS affected by my bankruptcy filing?
  
• Can I keep my car?
  
• Will I be allowed to file bankruptcy?
  
• How do I know which chapter to file?
  
• Can I discharge my student loans?
  
• What do I have to do to file bankruptcy?
  
• Can I put my assets in someone else's name before filing?
  
• Will I lose my retirement savings?
  
• Can I get credit after bankruptcy?
  
• What if I can't make the payments on my Chapter 13 plan?
  
• Does a previous bankruptcy prevent me from filing?
  
• Are there tax consequences to filing bankruptcy?
  
• Can I file bankruptcy without a lawyer?

Do I have to list all my debts?

Yes, you must list all of your debts on your bankruptcy schedules, even debts that are non-dischargeable or secured.

However, you can choose to reaffirm any debt you choose after the filing. Or, you can voluntarily pay a creditor after you receive a discharge, without becoming legally liable to continue paying.

Thus listing a creditor does not prevent you from paying creditors you wish to pay after bankruptcy.

Also, omitting a credit card company from your schedules, because you want to retain the use of the card, does not assure continued access to the card: most major credit card issuers use a national data base to determine who has filed bankruptcy, independently of the court's notice to them of bankruptcy filings. They routinely cancel cards of everyone who has filed bankruptcy, whether or not a balance is owed.

You can't assure that your creditors won't find out about your bankruptcy by not listing a debt. And omitting a debt constitutes perjury which could result in your discharge being denied.