On Schedule F you must list everyone to whom you owe a debt, even those you have already partially repaid. Creditors have to be listed in order for the bankruptcy court to notify your creditor about the bankruptcy filing and subsequent discharge of your debt. When your attorney submits your petition to the court, you must fill out a Declaration Concerning Debtor’s Schedules in which you legally affirm the paperwork you are filing is true and complete. If you knowingly file an incomplete creditors list, you are committing perjury. 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.