What Is a Creditor Matrix in Bankruptcy?

Learn about the creditor list that you'll file along with your bankruptcy petition.

A bankruptcy case starts when you complete and file a packet of official bankruptcy forms. The petition serves as a cover sheet that alerts the court to the bankruptcy chapter that you intend to file, as well as your name, address, and other information. Details about your financial situation—your income, debts, creditors, and property—are listed in additional forms called “schedules.”

(For information about filling out the bankruptcy forms, see The Bankruptcy Forms: Getting Started.)

Additionally, you’ll list the names and addresses of your creditors on a document called a “creditor matrix.” (It's important to note that other courts might refer to this form by another name, such as a creditor mailing matrix or a master address list.)

The court uses the matrix to create a mailing list of your creditors. The list will be made available online through the Pacer system (the court’s online case management system) and utilized in a number of ways. For instance, the court will use it to notify creditors of your bankruptcy case. You (your attorney, or creditor) will also be able to use it to quickly obtain necessary addresses when you need to provide notification about an upcoming motion or similar event.

The creditor matrix is not an official bankruptcy form. In most cases, you’ll prepare it yourself. For instructions, you’ll want to contact your local court or consult the court’s website. Many jurisdictions also require the filer to sign a statement verifying that the matrix includes all of the filer’s creditors.

(For more information, read The Creditor Mailing List in Bankruptcy.)

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