Yes, you must list every debt that you owe when you file a Chapter 7 bankruptcy case.  The law requires that you list all of your debts and all of your assets.  As a debtor, you have a duty to provide a full and complete picture of your financial situation.  You cannot pick and choose which creditors to list. Your petition is signed under penalty of perjury.  Intentionally failing to list a debt can result in criminal charges.  While this is rare, it is certainly 

Every Chapter 7 bankruptcy case has a trustee.  In Chapter 7 cases in Alabama, the Chapter 7 trustee is an attorney who serves on a panel.  Each member of the panel is assigned cases on a rotational basis.  Some divisions rotate trustees on a weekly basis while others rotate based on the number of cases assigned. It is the job of the Chapter 7 trustee to represent the interests of the unsecured creditors.  The Chapter 7 trustee does not represent you.  You have an attorney 

Most people talk about Chapter 7 as a “total liquidation.”  People believe that they will lose all their property in exchange for wiping out all their debt.  Very few people actually lose any property when they file a Chapter 7 case.  In fact, almost 99% of Chapter 7 cases are deemed “no asset” which means that the trustee found no property to sell for the creditors.  In making his determination, a trustee has to subtract any money owed on property and a debtor’s exemptions.  Next,