After filing a Chapter 7 or 13 some creditors check your Bankrupcy.  If they are not listed Bankrupcy Attorney they will continue to attempt collections.  If you are filing for a mortgage and fail to list a Bankruptcy Alternative debt your Mortgage Company may make you pay the debt or wait months for your home while you reopen and add the debt to your case.  Bankrupcy Law requires filing all your debts whether or not you wish to keep the debt.   You can always keep a debt by reaffirming and paying it but you must list all assets and your debts in Bankrupcy.  As a lawyer, we can’t overemphasize the importance of filing on all of your debts.  For your benefit we have an online process that helps you and we provide you with a source for getting a Mortgage Net Branches free credit report.   However never just list a debt because it is on your credit account make sure you owe it.   Filing on all of your Debts will save you time trouble and money.  Our customers may want to download our filing form or do your filing online so your appointments will take less time.