Bankruptcy is an all-or-nothing proposition. That is to say, you don’t file bankruptcy on any particular debt, you file bankruptcy on all the debts you owe at the point in time that you are filing. You may reaffirm on certain secured debts, but for the most part you may not pick and choose the debts you keep and the debts that are discharged. If you must pick and choose, there are other options available, such as Chapter 128.