Do I have to list all of my creditors?

Yes. You must list all of your creditors and all means ALL. If you even think that you might owe someone you need to list them (examples: (1) You drove your car into someone and nothing has happened. You need to list them because they could sue you. (2) you voluntarily returned a car to a creditor and they sold it and sent you a notice that you still owed money, but they haven’t done anything about it. They can still sue you, so you list them. (3) You owe your ex-wife, brother, aunt Susan, best friend, etc. money. List them so they can’t sue you later.).

Failure to list creditors is perjury and bankruptcy fraud and you can be fined and imprisoned for these crimes.

HOWEVER, you are free to voluntarily repay any of the above debts you want so, while you hate to list Mama as a creditor, you never have to stop repaying her.