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Creditor Matrix

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    Creditor Matrix

    I know that I listed all of the addresses of the original creditors in the creditor matrix (Mostly credit cards and utilities), but as I was trying to find all of the addresses for the creditors that the original debts were sold off to, I had more of a problem. I made an effort, but did find it to be difficult because half of the creditors did not even know if they were still trying to collect the debt (or they could not tell me who it had been sold off to).

    My question is, as long as I have listed the original creditor, am I ok in getting the debt discharged? If I do not list the correct addresses of every creditor that the debt was sold off to, can they still come after me after the discharge?

    #2
    Put down every single address you can find, regardless if the debt has been charged off or sold. As long as you have at least all the original creditors listed, you can dispute any new claims on your credit reports to the credit bureaus and have them remove it. Still try and do your best to find every address you can, but I wouldn't let it delay anything in the process.

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