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 offers a full bankruptcy administration service and will submit your bankruptcy application online. Court appearances are no longer required for bankruptcy. Call us on 01425 600129 for a chat about your circumstances.