You do not incorporate your current utility suppliers, but would include aged telephone and cellphone bills, and old electrical power and gasoline charges. Leaving anyone off may cause difficulties later, to various degrees. Bankruptcy filings are general public documents, and bank card businesses typically watch this type of activity. https://3thingstoavoidwhenfilingb31864.blogoscience.com/35701955/not-known-factual-statements-about-what-happens-if-i-leave-a-creditor-off-my-bankruptcy