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Bankruptcy Law - Questions & Answers

Must I list all my creditors?

Yes, even debts owed to relatives and friends and debts you intend to repay after bankruptcy. If you intentionally omit a creditor from your schedules, you have committed perjury. However, sometimes a creditor is overlooked or not known to exist at the time the schedules are filed. Generally, you may amend your schedules at any time during the bankruptcy proceeding to add an additional creditor.

If you accidentally omit a creditor, and the creditor does not otherwise learn about your bankruptcy case in time to participate in the proceeding, the debt owed to that creditor might not be discharged.

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