Do I have to list all the accounts I owe, in my bankruptcy filing, or can I keep some?

By law, you must include all the debts you owe in your bankruptcy petition and schedules but you can reaffirm on some if you wish. Usually clients reaffirm on cars and houses, rarely on credit cards. We have found that all the credit card companies immediately close the credit accounts as soon as they are informed of the bankruptcy so it is not usually in your best interest to reaffirm these debts.