Navigating America's Chapter 13 bankruptcy law system can be a challenge. If you're planning to file for Chapter 13 bankruptcy, here are four potential mistakes an attorney will tell you to watch out for. Failing to List All Creditors When you petition the court for relief, you must list all of the creditors that are relevant to the case. Any unlisted creditor will not be subject to the automatic stay. That means they'll be able to continue collection actions and harassing communications.