Produced by Attorney Mariah Jennings-Rampsi for MassLegalHelp
Created August 2016

Image of a sample Creditor Matrix

The Creditor Matrix is a mailing list for the court with your codebtor’s address and all your creditors’ addresses.

You type it up on a blank piece of paper.You must list every creditor you owe money.  The bankruptcy court will use this list to tell your creditors that you filed for bankruptcy.  The court can also uses this list to mail everyone involved in the case. At the end, sign the Creditor Matrix Verification form that says your Creditor Matrix is correct.

Create your Creditor Matrix

Along with all the other forms you file with your Bankruptcy petition you need to type up a list of all your creditors. There is no form for this list. But you need to follow all the rules below when you type the list.

  • Type the list of your creditors.  It cannot be handwritten.
  • List any co-debtors who did not file bankruptcy with you.
  • The list must be all capital letters.
  • List names and addresses in a single column on the left side of the paper.
  • Leave one inch of space at the top and bottom of each page.
  • Put the creditors name on the first line.  Put the first name first, any middle initial then the last name.  If it is a business just write the name on the first line.
  • Under each creditor’s name, type their mailing address.  You can use up to 5 lines for each creditor’s name and address, but no more.
  • Only list the creditor’s name and address.  Do not include any other information.
  • Do not number the pages.

See a sample creditor matrix.


  • Get several sheets of blank paper.
  • Type the names and addresses of all of your creditors.  List every creditor from Schedules D, E, and F.  Only list each creditor once, even if they are on your schedules more than once.  Leave a space between each creditor.
  • Do not list yourself, and your spouse if they filed bankruptcy with you, or the U.S. trustee. The Court’s Electronic Case Filing program will add them.

Next, sign the  Verification of Creditor Matrix.

Filing without a lawyer

  • Bankruptcy is complicated. Filing without a lawyer is risky.
  • You can lose property and money. You can go to jail if you do not tell the truth.

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