Do I have to list all my debts?

Yes. You should always list all debts in your bankruptcy forms as that is required by the Bankruptcy Code. By signing the documents you’re submitting to the court under penalty of perjury, you’re essentially certifying you have included all of your financial information. This includes complete disclosure of all of your debts. This information should include any debts incurred up until your filing date. You don’t want to conceal or omit any debts for any reason because it is a federal crime to do so, punishable by fines and up to five years in prison.