DO I NEED TO INCLUDE ALL OF MY DEBTS?

YES.

All debts must be included.

Can I Keep One Credit Card?

If you have a credit card that does not have a balance, it is not a debt, so you do not have to list it.  But, even with a zero balance, a credit card company will generally close an account after a bankruptcy filing.  (You will receive new credit card offers after your discharge.)

What about money I intend to pay back?

All debts must be included. You should contact the person you intend to pay before you file - but after you talk to me!

Note:  Bankruptcy does not prevent you from paying debts, it just prevents people from trying to collect an old debt, or suing you.

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