I have had to file. And as JD said........include everything and file Chapter 7 if you can. The only thing is if you have a vehicle financed that you need to keep, you will need to reaffirm with that creditor and pay that bill to keep your car.

And, yes, call every doctor and collection agency you can think of and ask them what you owe so you can include it.

Just look at it as a fresh start.....but also be very careful about credit cards in the future. It won't be long after your bankruptcy before someone is offering you one