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 Who do I list as a dependent on my bankruptcy forms? How do I know whether the court approved my application for a fee waiver? Someone else helped me pay my bills. How do I indicate this? Comments 0 comments Please sign in to leave a comment.