One of the documents you must file in your bankruptcy case is a Creditor’s Matrix. A creditor’s matrix is a list of your creditors. There is a list of regulations that must be followed so that it is compatible with the Court’s automated noticing system. If your creditor’s matrix does not meet the requirements, which are stipulated below, it will be declared deficient and this will delay the progress of your bankruptcy case or possibly result in the dismissal of your case.

Your creditor’s matrix must conform to the following regulations:

• The matrix should be saved as a TEXT file, i.e. with a .txt extension. It should be submitted to the court on a Compact Disk (CD), a Digital Video Disk (DVD) or a 3-1/2 inch 1.44 MB diskette. A hard copy of the completed matrix is not required.
• The name and complete address of each of your creditors must be listed. If your debt is in the hands of an attorney or other agent for collection, the full names and addresses of both the original creditor and assignee or agent must be included. Do not include your full account numbers, only the last four digits of an account number. Do not list the amount owed to the creditor on the matrix.
• The matrix must be formatted in the following manner:

o Do not include page titles, headers, or page numbers

o There should be a single column per page

o There should be a maximum of five lines per address

o Special characters, such as @#$%^&*()_+?, are not permitted

o City, state and zip code must be on one line, the last line of the address

o Be sure to triple space between each creditor’s address

o There can be no more than forty characters per line

• Do not include the names and addresses for the following people as they will be retrieved automatically by the system:

o You and/or your spouse

o Your lawyer

o Any Chapter Trustee (Ch. 7, 12, 13)

o U.S. Trustee

• The completed Verification of Creditor Matrix form must be filed along with the CD/DVD or diskette
• Any supplemental or amended creditor(s) matrix must include only creditor(s) not previously submitted
• If you wish to change the address of a creditor already submitted, file a completed Change of Address form. Do not file an amended matrix.

If you live in Denver, Aurora, Arvada, Brighton, Broomfield, Commerce City, Englewood, Highlands Ranch, Lakewood, Lafayette, Littleton, Northglenn, Westminster, Wheat Ridge, or Golden, Colorado, please feel free to contact me with any questions. Kevin D. Heupel, Colorado Bankruptcy lawyer, 303-955-7570, Colorado Bankruptcy Help Email, personal bankruptcy free-consultation form.