No you can’t. All creditors need to be listed in bankruptcy, you can’t pick and choose which ones to include or exclude. We admit it would be tempting to hold on to a credit card which still had funds available, but if the Insolvency Service found out – and they will – you would be facing a Bankruptcy Restriction, whereby you would remain bankrupt for several years. Just for the record, your local Official Receiver has access to bank accounts, credit files, DVLA and Land Registry records, etc. so there’s no place to hide. Our advice would be to play it straight.
Bankruptcy UK has been helping people with bankruptcy since 1998 and will guide you through the process step by step. We will avoid jargon and confirm all discussions by email within 30 minutes. Call us for a chat about your circumstances on 01425 600129.