Who files proof of claim?

• A. Creditor
• B. Debtor
• C. Court
• D. Trustee

Answer: (A)

A proof of claim is a creditor’s formal assertion of what is owed in a bankruptcy case. The creditor files this document with the bankruptcy court to establish and quantify their claim against the debtor’s estate, so they can participate in any distributions. The debtor doesn’t file a proof of claim; they submit schedules and statements. The court oversees the process but doesn’t initiate claims, and the trustee reviews and administers claims but does not originate them. So, the party who files a proof of claim is the creditor.