You are here

Creating a Creditor Mailing Matrix


A creditor matrix contains each creditor’s name and mailing address. This information is used for noticing and also for claims information when applicable. There are a couple of options to creating a creditor matrix: 

Option 1: Use the Court’s Creditor Matrix form.  Instructions on how to complete the matrix are listed on the form itself.  

Option 2: Create a creditor matrix by using a text editor program that creates a ASCII file format with an appropriate text extension such as .txt.  The matrix must adhere to the following specifications: 

  • Enter the list of creditors using only one column per page.
  • The name and address of each creditor cannot be more than 5 lines. If a record is more than 5 lines, the 6th line will be combined with line 5 and the 7th or 8th lines will be truncated.
  • Each line may contain no more than 40 characters including blanks.
  • Names and addresses should be left justified.
  • Spaces in the first position of a line will cause an exception report for that creditor record.
  • Special characters such as ~, ½ or ^ will cause problems. The #, C/O and & characters have not been reported to cause errors.
  • Account numbers or “attention” lines should be placed on the second line of the name/address.
  • City, state and ZIP code must be on the last line.
  • Nine digit ZIP codes must be typed with a hyphen separating the two groups of digits.
  • All states must be two-letter abbreviations.
  • Each creditor must be separated by at least one blank line.
  • Do not include page numbers, headers, footers, telephone numbers, personal or sensitive information such as social security numbers or the entire account number – use only the last 4 digits. 

Creditor Mailing Matrix Example:


Secretary of Treasury
1500 Pennsylvania Ave NW
Washington, DC 20220-0001 


Securities & Exchange Comm
Bankruptcy Section
175 W. Jackson Blvd.
Suite 900
Chicago, IL 60604-2815 


Michigan Dept. of Treasury
Tax Collection Enforcement
Bankruptcy Section
Treasury Building
Lansing, MI 48922-0001