Here's some other possibly creditors to include in the mix: cellphone companies, hospitals, doctors, clinics, cable companies, car rental agencies, Ryder/Uhaul, restaurants, cities (parking fines), ex-wives/ex-husbands, brothers/sisters. A list of addresses basically puts someone on notice that you MAY be able to declare bankruptcy against a debt. Should they not show up, and you list any hypothetical debt you MIGHT owe them, they are scr**ed. I would list any/all creditors you might even in a fantasy POSSIBLY owe, so as they cannot use the debt on you at a later time. ps- you'd be surprised how many people have been given a parking ticket and it tolls for 20 years or more.