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Creditor List

List of Creditors Must be Filed with Petition

A voluntary bankruptcy petition must be accompanied by a list containing the name and address of each entity included or to be included on Schedules D, E/F, G, and H. This list is sometimes also referred to as the creditor matrix and must follow certain formatting guidelines. The Clerk's Office needs this list to give notice of the bankruptcy case to creditors and to advise them that the automatic stay prohibits certain actions against debtors. If you do not know all the names and addresses of all your creditors at the time the petition is filed, you may file an amended creditor list later, but there will be a $32 filing fee charged and you will be responsible for mailing the bankruptcy notices to the additional creditors.

Formatting Requirements

  • Do not include the debtor and the debtor’s attorney, U.S. Trustee, or case number.
  • List blocks of names and addresses in a single column down the left margin.
  • Separate each name and address block with at least one blank line.
  • Each name and address block may not exceed 5 lines total.
  • Each line must not exceed 40 characters, including spaces.
  • Each line must begin with a letter, digit, or one of these characters: #, %, &, or @.
  • Any “Attention” or “c/o” information should be placed on the second line.
  • The last line must contain the City, State (2-letter abbreviation), and zip code.
  • But for foreign addresses, list the country name (in English) by itself on the last line.
  • Do not include account numbers.
  • If the following entities require notice, use the addresses below:

Internal Revenue Service
P.O. Box 7346
Philadelphia, PA 19101-7346

Department of Taxation
State of Hawaii
Attn: Bankruptcy Unit
P.O. Box 259
Honolulu, HI 96809-0259

Click here for a sample creditor list.

Electronic Format

All debtors are required to provide the list of creditors in a digital or electronic format. Even if you are not represented by an attorney, you are responsible for creating an electronic version of the list as a computer file with a “.txt” extension, and submitting it on a CD, USB drive, or other media. A paper copy of the creditor list must also be printed and submitted with the petition.

Submitting the Creditor List Online

You can create a list of creditors through this website and eliminate the need to submit a CD or USB drive with your petition. Here's what you need to do:

  1. Collect all of your creditors' names and complete addresses (street, city, state, and zip code).
  2. Click on the Start My Creditor List button below and enter the data following the prompts on the screen.
  3. When finished entering all names and addresses, click Save Creditor Matrix.
  4. Carefully review your matrix.
  5. When complete, print a hard copy to submit with your petition.
  6. Read and check the certification box, then click Send Matrix to submit it to the court.
  7. If you followed the steps above, the court will have an electronic copy of the list to match up with the hard copy you attach to your petition.

Verification of the List of Creditors

The creditor list must be accompanied by the debtor's verification that all entries on bankruptcy schedules D, E/F, G, and H have been listed in the creditor list, using local form Verification of List of Creditors.