The reason you want to get three credit reports is simple; you get to file a Chapter 7 and get a discharge once every eight years, or more if Congress goes back to the bankruptcy well.
So you want the maximum bang for your buck in your Chapter 7 bankruptcy case in Arizona, or anywhere else.
Your first project is to go through your own records, of course, because in general you know who you owe money.
Your second project is to make sure you have a safety net which will insure you against forgetting a creditor.
Useful? Only sometimes.
But I had a wonderful couple of clients who actually forgot a creditor who, after their bankruptcy case was closed, sued them for $100,000.
I was able to fix the problem, but that was pre-2005 Amendments to the bankruptcy code, so I had a much bigger toolbox then.
These days, much better to list all your creditors; and that means all. Including creditors you want to pay. Including creditors you want to reaffirm. Including creditors you dispute. Including creditors you don't want to list because you're ashamed for them to find out that you're filing a bankruptcy. Including tax debts to all taxing authorities. Including judgment creditors. Including creditors who are suing you and haven't made it to a judgment yet. Including student loans. Including alimony and child support obligations. Traffic tickets. Fines of every sort. License fees for your Airedale Terrier. And every other kind of creditor that I forgot to list just now.
All, all, all your creditors; list them on your schedules. All, all, all.
