If my family said I don't need to pay them back, should I still list them? Upsolve Help January 27, 2019 05:50 Updated No. Your creditors are only the people who you owe money to. Related articles What happens if I paid someone back in the year before bankruptcy? Should I list my PayPal account? What should I do if I don't remember who I owe in my bankruptcy? What can go wrong at the creditors' meeting? Do I include that I am listed on someone else’s credit card? Comments 0 comments Please sign in to leave a comment.