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Yes. All debts, no matter how much or who to, is required to be disclosed on your bankruptcy petition. This includes debts to family members and doctors and check cashing places.

Chapter 7 is known as liquidation bankruptcy because your trustee can sell (or liquidate) your assets to raise money to pay your debts. You are able to exempt (or protect) assets but sometimes an asset cannot be protected and it is taken to pay creditors. This is why it is important to fully disclose all assets to your attorney to make sure we can protect them.

Everyone who files bankruptcy has to attend a meeting of creditors about a month after their case if filed. At this meeting you meet with a trustee who will ask questions and verify that your bankruptcy petition is accurate. Creditors are also allowed to attend and ask you questions.

Not usually. In a chapter 7 you can keep your tax refund as long as you exempt the refund on your petition. In a chapter 13 plan, you can generally keep your tax refunds as long as you agree to pay back enough of your unsecured debt.

Ordinarily you will pay a percentage of your unsecured debt through a chapter 13. How much depends on your income and on tour assets such as equity in real estate.