Do I have to list debts I owe to my mother and friends if I intend to repay them?
Yes, you do. Or else your entire discharge can be permanently denied.
At least in the 7th Circuit judicial district (Indiana, Illinois, Wisconsin).
The recent decision by the 7th Circuit Court of Appeals in In re Sofia Katsman, illustrates this well.
Omitting Creditors is Not Allowed
Ms. Katsman filed a Chapter 7 bankruptcy case.
As is required in all bankruptcy cases, she also filed a schedule (list) […]