When you file bankruptcy, the court sends a document called the “Official Form 309A Notice of Chapter 7 Bankruptcy Case — No Proof of Claim” to the creditors you listed on your bankruptcy paperwork. This form gives each creditor important information about your case and tells them what they need to do if they have a reasonable objection to your bankruptcy.
If a creditor didn’t receive a copy of this notice because the court did not have the correct address, follow these steps to make sure this is corrected:
(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.
(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 add a creditor after filing to change the creditor's address.