Almost every Vancouver bankruptcy attorney has been bombarded with an assortment of questions at some point or another when it comes to bankruptcy. When you think about it, it is only natural when you consider that this is one of the biggest decisions that some people will ever make. Each Vancouver bankruptcy attorney must do his or her best in answering the many questions that they are presented. There is always more than one way to approach a question. Anyone can offer a general answer but only a qualified Vancouver bankruptcy attorney can offer solid, specific answers that are applicable to each person's individual situation. Do I have to include all of my credit cards in my bankruptcy filing? The answer is yes. You must include all of your debt in a personal bankruptcy filing. Sometimes people may want to spare a creditor or two for a variety of different reasons but you are not able to pick and chose which creditors are included in your bankruptcy and which ones are not. One of the reasons why people even want to spare some creditors is because when you file for bankruptcy, those credit card accounts are usually closed. This means that the filer no longer has access to use those credit cards which might present a problem for some filers. They do not want to be stripped of all of their purchasing power. Some creditors may fit into their monthly budget and they feel as though they can maintain the monthly payment. But that is not the way bankruptcy works. If you are asking for federal bankruptcy assistance that means that collectively, you cannot handle your debt. There is a big difference between collective and selective. You cannot select which creditor goes into your bankruptcy. It is all or nothing kind of deal when it comes to filing for bankruptcy.