On my bankruptcy forms, should I list debts that appear on my credit report but I don't owe?

3,334 families filed bankruptcy using Upsolve.

Written by Jonathan Petts, Esq.  
Updated May 16, 2019

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Short answer:

Yes.

Longer answer:

It's a good idea to list all of the debts from your credit report that have a balance. Your credit report probably includes debts you have paid off -- you do not need to include these.

You should include debts with a balance even if you do not think you owe them. Best case scenario the debt will be discharged and you won't have to worry about it any more. Worst case you will be in the same position you are in now with that particular debt.

If you are in the process of disputing a debt that you think you don't owe, just mark it as "Disputed" on your paperwork (our system will help you with this) so that the judge is aware.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

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