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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.

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    If its time to start considering a step toward bankruptcy we're here to help. I have been helping people through the process of filing bankruptcy in South Carolina for over 20 years. We are here for you if you have questions.
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  • Can I go to Jail for not Paying my Bills?

    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A