Will I have to pay back all of my creditors?

May be you will have to pay back every one that files a claim.  It depends on a lot of factors including your income and expenses and what you want to keep.  People ask us if they will be paying the same amount as their friend or family member. Likely the answer is no. Each plan in tailor made for that household. Factors include the number of people living in the house, the income and the property that the clients want to keep.