i agree with amy, and i think everyone agrees, that you are supposed to list all your creditors. in fact, you are not supposed to omit any creditor just because you intend to pay them - that includes your medical bill, amy!
the question those cases ask is what happens if in spite of the clear instructions to list all creditors, a debtor omits a creditor anyway. this question arises all the time because people either forget (most cases) or because people intentionally don't list someone. that's where the different appellate circuits have different opinions.
the question those cases ask is what happens if in spite of the clear instructions to list all creditors, a debtor omits a creditor anyway. this question arises all the time because people either forget (most cases) or because people intentionally don't list someone. that's where the different appellate circuits have different opinions.
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