Do I have to file chapter 7 bankruptcy against ALL of my creditors?


Yes. Whether the debt is owed to a bank, a relative or a friend, all creditors must be listed. When you sign your bankruptcy schedules you are stating under penalty of perjury that all of your creditors have been listed. An intentional failure to list a creditor could result in a denial of your discharge. On the other hand, mistakes do happen, and in those instances you will usually be allowed to amend your schedules. Lastly, you should note that creditors not listed in your bankruptcy schedules are not discharged (there is an exception applicable to “no asset” cases).