If a creditor’s address is incorrect on the creditor matrix, the court’s notices to the creditor will be returned as undeliverable. Follow these steps to make sure this is corrected.
Written by Attorney Andrea Wimmer.
Updated October 6, 2020
(1) Find the correct address for the creditor. Bills are a great way to do this, but you can also call the creditor, double-check your credit report or do an internet search.
(2) Mail the notice to the correct address. It’s a good idea to use registered mail with a return receipt requested so that you can prove service on the creditor if later they claim they didn't get the notice. If you want, you can also submit a certificate of service to the court. This tells everyone that you mailed out the notice, and where you mailed it.
(3) Provide the correct address to the court for future mailings. Most courts have a system in place for changing a creditor's address on the creditor matrix after filing the case with a change of address form or online.
You can call the clerk's office for the court where you filed your case to find out how they want you to handle this. If the bankruptcy court handling your case requires an amended Schedule E/F to update the creditor's address, follow the steps in this guide to do so.