MYTH 8: I can pick and choose those debts that I want to discharge in bankruptcy

REALITY: You are required to list all of your debts in your bankruptcy schedules, even those, such as mortgages, automobile loans and other secured debts that you may still continue to pay voluntarily, on a monthly basis, after bankruptcy. The concept of leaving a credit card “out” of the bankruptcy is not acceptable. Moreover, there is a very good likelihood that the credit company will know you filed and freeze the card anyway. This would leave you with a non-usable card with a balance you would be responsible to repay! In addition, even if a debt is discharged, you still have the right to voluntarily repay any debt. The concept behind bankruptcy is full disclosure brings full discharge!

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