Your list of creditors in your bankruptcy filing should be accurate and complete. The bankruptcy court defines a creditor as any person or company to whom you owe money. A creditor can be your bank, your health club, or even your parent. While a secured debt is tied to an asset, such as an automobile, an unsecured debt is not. It can be a credit card or other credit account or a personal loan. When you file for bankruptcy, you must complete Schedule F, a list of unsecured creditors, and Schedule D, a list of all secured creditors. Your bankruptcy attorney St. Louis MO Tobias Licker offers a free consultation for more information about any question that can be answered through the general answers on this website.