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Instructions on how to complete the matrix are contained within the form. A PDF reader program, such as Adobe Acrobat Reader, is required to open the form.Maximum: up to 120 renewal credits may be earned through approved renewal courses during the five-year validity period of the certificate. All forms are printable and downloadable. Creditor Matrix Creditor Matrix Form (US Courts). Instant access to fillable Microsoft Word or PDF forms. Minimize the risk of using outdated forms and eliminate rejected fillings. The Creditor Matrix is a mailing list for the court with your codebtor's address and all your creditors' addresses. The new law requires you to complete credit counseling before filing for bankruptcy. The Verification of Creditor Matrix is basically the signature page that goes with it.