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What Is A Bankruptcy Creditor Matrix?

  • By: Christopher Benson
  • Published: December 16, 2014

A creditor matrix is one of the most important forms in the bankruptcy process. So what is the creditor matrix, and what can you do to make sure you do right?

When you file for bankruptcy, you are required to prepare a list of all your creditors and their mailing addresses. This list is called the creditor matrix. It is your responsibility to make sure all your creditors are listed and that the information is correct.

Each bankruptcy court has it’s own rules for how the creditor matrix should be prepared. Washington State is divided into Eastern and Western Districts. The standards are very specific for each.

For the Eastern District:
  • Names and addresses must be in one column
  • There should not be more than 4 lines per entry, and not more than 34 characters per line
  • There should be three lines between entries
  • You do not have to alphabetize, include account numbers, or list a creditor more than once.
For the Western District:
  • Names and addresses must be in one column
  • There should not be more than 5 lines per entry, and not more than 30 characters per line
  • There should be two lines between entries
  • You should not include account numbers, or list a creditor more than once.

Additional rules can be found at each district court’s website.

Over the past 27 years, the Law Offices of Christopher A. Benson has helped over 2,300 of Washington clients take control of their financial situation. We can stop your garnishment and change your monthly payments for all your combined unsecured debt, and if you have had more than $600 garnished within the last 90 days, we can get all of the money back in most cases. But you have to act quickly–call (253) 815-6940 for your free consultation, or email us today. Evening and weekend appointments available.

Christopher Benson

About the Author Chris served on the Board of Directors for Habitat for Humanity
Seattle/S. King County for 10 years and served as Vice President
of the organization during part of that time. Read More