Yes. You must list all creditors when you file a Chapter 7 bankruptcy. There are no exceptions. You must list everyone that you owe money to including taxes and student loans. However, if you have a $0 balance on an account, you don't owe that creditor money and they don't have to be listed. If you no longer owe an individual or company money, they are not a creditor. Our office will assist you in obtaining a credit report so that you are certain to list all your creditors. It is important that you review your credit report carefully and list any additional creditors that do not appear on the credit report. There are many companies that do not report to credit reporting agencies, such as medical providers, taxes, and payday loans.
In a Chapter 7 bankruptcy, if you leave off a creditor, like a medical bill, they will still be included in your bankruptcy. However, since they did not receive notification of the bankruptcy, they may still try to collect from you. It is very important to list everyone that you think you owe money to so that you don't have problems later with a creditor trying to collect because they were not notified about your bankruptcy.