Can I exclude certain debts?

No. Federal law requires that you list everyone you owe money to. Keep in mind that arrangements can be made for creditors tied to your assets, such as the house or car you want to keep. Even debts that you cannot discharge in bankruptcy must be listed, such as child support obligations, taxes, and student loans. The word to keep in mind with bankruptcy is “DISCLOSURE” – you need to disclose all of your financial information.