Sometimes people don't list a creditor because the account had a zero balance. Unfortunately, the lenders don’t look at this the same way you do. Many creditors subscribe to services that pursue the bankruptcy filings nationwide on a daily basis. (Lexus/Nexus for 1 will show it)They compare the filings to their own customer databases. Any active account even if it has a zero balance that matches up to a bankruptcy case will lose its borrowing privileges immediately. It's possible to still keep the zero balance accounts active, but not a guarantee. You do not have to list the zero balance accounts in the bankruptcy, because they are not debts. However, if you list other debts with the same company or the company does a periodic credit check on you and discovers the bankruptcy, they may close down your credit account, even if nothing is owed and it is in good standing.
Your lawyer will give the best advise. Risk it or play it safe. Its your choice. I chose not to answer. Good Luck!
As i said in and earlier thread about closing your cards. Chase didnt bother me at all. I left once I found out they dont do credit for people with BK's. Thats how I ended up with SunTrust which approved me 2 yrs out.