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Completeness and Accuracy. The Creditor Matrix is a mailing list for the court with your codebtor's address and all your creditors' addresses.You'll file your creditors' names and addresses on a "creditor matrix" along with the completed bankruptcy forms and schedules. Your mailing matrix must be submitted to the bankruptcy court, so they can use it to provide your creditors with notices throughout your case. Use Fill to complete blank online US COURTS pdf forms for free. Once completed you can sign your fillable form or send for signing. Why is the creditor matrix so important? Every debt that you wish to have discharged must be listed on your creditor matrix. Bankruptcy Court with a mailing matrix for notifications to all creditors. Navigation Instructions.