No. You must disclose all your creditors, assets, and household income from all sources. Disclosure of creditors includes debt to family and friends. There’s no direction there to “keep a creditor outside the bankruptcy.” However, by law, you are allowed to voluntarily repay any of your creditors after you complete the bankruptcy. And while it may seem to make little sense to repay creditors after discharge, you should keep in mind that you may want to pay back a family member or friend. Similarly, small business owners sometimes want to repay certain suppliers and vendors to maintain a business relationship.