How to Create a Creditor’s Matrix

The creditor’s matrix is a complete list of all creditors. Courts have a specific format in which the creditors and their addresses must be listed. The bankruptcy court uses this list to mail everyone involved in the case.

It is the debtor’s responsibility to create and submit a complete creditor’s matrix immediately after filing for Chapter 7 or Chapter 13 bankruptcy. If the debtor fails to submit a complete list, it is his/her responsibility to send notice of the meeting of creditors to the creditors who were not served by the court.

These instructions also apply in Chapter 11 bankruptcy cases with 200 or fewer creditors. If a jointly administered Chapter 11 Case converts to Chapter 7, the debtor’s counsel or Case Trustee must immediately submit a separate matrix for each converting case to the Clerk’s Office.


  1. The Creditors Matrix must be saved in .txt format before being uploaded to the Case Management/Electronic Case Files (CM/ECF) system.
  2. All entries should conform to the CM/ECF style conventions for names and addresses.
  3. Names and addresses must be in a single, left-justified column. Multiple columns of names and addresses will not be accepted.
  4. The first character of each line must be either alpha (a-z) or numeric (0-9). No special characters or a space may be in the first position.
  5. Each line may contain no more than 40 characters, including spaces.
  6. The name and address of each creditor cannot exceed six (6) lines.
  7. Line one should be the name of the creditor.
  8. Line two should be either the company name or the first line of the address.
  9. Additional lines should be used to complete the address of the creditor, with the city, state, and ZIP code on the last line. There must be a comma placed immediately after the city name. Also, all states must be two-letter abbreviations.
  10. Nine digit ZIP codes must be typed with a hyphen separating the two groups of digits.
  11. Each creditor must be separated by at least one blank line.
  12. Account numbers, case numbers, page numbers, headers and footers should not be included.

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