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You don't mail the notices yourself: the bankruptcy court does. When you file, you submit a creditor matrix, an alphabetical list of every creditor's name and address, and the court uses it to mail notices of your case, including the 341 meeting of creditors. That is why the list must be complete and the addresses accurate: a creditor the court never mails may never learn about the case.
This is general information, not legal advice.
The creditor matrix, also called the mailing matrix or list of creditors, is an alphabetical list of the names and complete mailing addresses of everyone you owe, plus any co-debtors listed on your bankruptcy Schedules D and E/F. You must file it at the same time as your petition, even if the same creditors already appear elsewhere in your paperwork: federal bankruptcy rules (Rule 1007) require it as a separate document. The court uses this list, and only this list, to mail notices about your case, starting with the notice of the 341 meeting of creditors.
Because the court can only notify creditors it knows about, at addresses it has. A creditor left off the matrix may never learn you filed, which can complicate whether that debt is discharged. An old or wrong address has the same effect as no address. And fixing the list later costs you: courts charge a fee for every amendment to the mailing list, and you, not the court, are responsible for serving notice on any creditor you add after the case is already open. Getting the list right the first time is cheaper than fixing it later.
Courts are strict about the format, because the matrix feeds automated mailing systems. Rules vary by district, so check your court's instructions, but the common requirements look like this:
| Rule | What it means |
|---|---|
| Single column | One creditor per block, never side by side |
| Limited lines per entry | Usually four or five lines per creditor, each with a character limit |
| No account numbers | Names and addresses only, as they would appear on an envelope |
| Blank line between entries | Each creditor block separated so the system reads them as distinct |
| List every address | If you have more than one address for a creditor, include all of them |
One formatting detail trips people up constantly: do not include account numbers or personal identifiers anywhere on the matrix. They don't help the mailing system, and several courts explicitly forbid them.
Mostly, yes. The mailing list grows on its own as the case goes forward: creditors who file proofs of claim and parties who request special notice get added automatically, and the clerk keeps sending them notices. But the list starts with you, so its completeness is your responsibility from day one.
One honest note about LetterAgent: it prints and mails letters to US and Canadian addresses, but filing a bankruptcy matrix is court paperwork, not a letter. A personal letter to a creditor is not a substitute for the court's official notice, and LetterAgent can't file documents with the court for you.
Ready to mail it? Send your letter with LetterAgent: describe it to your AI assistant, approve the exact quoted price, and it is printed and mailed.
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