Do you have to put down all credit cards regardless if there is any money owed on them or not.
1 Answer from Attorneys
Re: Credit Cards
You are required, under penalty of perjury, to list all your creditors.
If you don't owe any money to a company, they are not creditors and do not have to be listed as a creditor on your Schedule of Unsecured Creditors.
They could conceivably have to be listed elsewhere, such as on the Statement of Financial Affairs (if they received a preferential payment in the 90 days preceding the filing of the bankruptcy).
Consult an experienced bankruptcy lawyer for a full analysis of your individual situation.
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