when I don't want to fill out something,

What is the name of your state? CA. When I file chapter 7, I know to file all debts. Of the my several credit cards, I have a secured credit card. When I was issued this secured card, I deposited the collateral amount which is matching up with the credit limit.
the balance is 20% of credit limit. Really my equity of secured card
is remained 80%. At this time, What is the good way?
Closed the account and refund the existed 80% equity of collateral amount?

The other question: I have a high value leased car. Now I had 3 payments and afterwards I am sure I am able to pay monthly.
When I file Chapter 7, I don't wanna fill out about the leased car.
Is it possible? Because I can pay and have to pay monthly, I think
the auto loan creditor need not to know about my chapter 7.
If I fill out the leased car, the auto loan creditor will be notified and I have to make reaffirmation contract again to use the car.
Then the manager and salesman of the car dealer also know about my chapter 7. Uhhh! they are all my neighborhood.
Thank you in advance, sincerely:

[Ladynred]

The auto loan/lease people are going to find out about your CH 7 anyway if they do any kind of account reviews on your credit report. You cannot leave off the lease, it will get you into hot water. You may NOT have to sign a reaffirmation agreement, it is NOT mandatory and the Trustee may not even ALLOW you too if he/she feels its a bad idea. If you don't sign one, but keep up with the payments, they're not likely to take the car anyway.

As for the secured card, depending your your limit amount, it its not too much, take your equity back and spend it for necessities that won't be questioned by the Trustee.