---
title: Can I choose which debts to include?
description: No, you cannot choose which debts to include in your bankruptcy.
---

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# Can I choose which debts to include?

## No, you cannot choose which debts to include in your bankruptcy.

All unsecured creditors must be treated equally and all unsecured debts must be included in the proceeding. All secured creditors are also listed and notified of the insolvency process.

Your legal documents will clearly state if you intend to maintain payments and keep possession of secured assets, or if you are surrendering them. 

- [Consumer Proposals](https://knowledge.bnadebtsolutions.ca/knowledge/consumer-proposals?hsLang=en#main-content)

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- [Personal Bankruptcy](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#main-content)

    - [Assets](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#assets)
    - [Cost and Payments](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#cost-and-payments)
    - [Length of Bankruptcy](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#length-of-bankruptcy)
    - [Other](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#other)
    - [Credit Cards](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#credit-cards)
    - [Taxes](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#taxes)
    - [Mortgages](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#mortgages)
    - [Debts](https://knowledge.bnadebtsolutions.ca/knowledge/personal-bankruptcy?hsLang=en#debts)
- [Debt Repayment Options](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#main-content)

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    - [Orderly Payment of Debts (OPD) - Offered through Money Mentors](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#orderly-payment-of-debts-opd-offered-through-money-mentors)
    - [Consumer Proposal (debts less than $250,000, excluding principal residence mortgage)](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#consumer-proposal-debts-less-than-250000-excluding-principal-residence-mortgage)
    - [Division I Proposal (debts over $250,000, excluding principal residence mortgage)](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#division-i-proposal-debts-over-250000-excluding-principal-residence-mortgage)
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