Do i need to include all my unsecured debt in a Chapter 13 filing?

Bankruptcy requires full, complete, truthful and accurate disclosure of all debt, income and assets. The answer to your question is yes. If you ever question whether you should disclose a debt, asset or income, disclose it. Bankruptcy requires review of your entire financial situation including all debts, income and assets. I highly recommend that you retain an experienced bankruptcy attorney in your jurisdiction to guide you through the complexities of bankruptcy law and procedure. If you find my answer helpful, please click the ‘thumbs-up’ tab below. Thank you. This answer is provided for informational purposes only. Actual legal advice can only be provided in an office consultation by an attorney licensed in your jurisdiction, with experience in the area of law in which your concern lies.

You must include all your debt in any bankruptcy filing, including debt owed to family members. If you are paying any money to unsecured creditors in your 13, encourage your relative to file a claim so that they can receive some payment through the case. This response does not form an attorney-client relationship, nor is it intended to be anything other than the educated opinion of the author. It should not be relied upon as legal advice. The response is based on the limited facts provided. Given additional or different facts, the response would change. Attorney is licensed to practice law in the State of California. Responses are based solely on California law unless stated otherwise.

Yes. Whether you ultimately choose to honor discharged obligations is not something the bankruptcy court or your other creditors are likely to ever find out about, but you will be signing these documents under penality of perjury and you need to include everything that's required to be included. Please see the "how to" guide linked below. Disclaimer: Please note that this answer does not constitute legal advice, and should not be relied on, since each state has different laws, each situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.