Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: Angel L Conley
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            Angel L Conley
  SSN:             ***-**-XXXX
  DOB:             UNKNOWN
  Marital Status:  Single
  Filing Status:   Individual
  Address:         7423 Cunningham Rd
                   Rockford, IL 61102
  County:          Winnebago
  Phone:           6083713864
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Amazon.com Services, LLC
    Occupation:   Fulfillment Associate / Packer
    Duration:     None
    Pay Period:   Weekly
    Gross/Period: $920.00
    Net/Period:   $562.08
    Deductions (7):
      Federal Income Tax: $87.15
      Social Security Tax: $51.97
      Medicare Tax: $12.15
      IL State Income Tax: $38.72
      Pre-Tax Dental: $3.46
      Pre-Tax Medical: $82.85
      401K-Trad (Amazon): $55.43

  Other Income:
    WIC (Women, Infants, Children): $835.00/month
    Child Support (pending): $0.00/month

## 3. ASSETS (Schedule A/B)
  1. [vehicle] 2019 Chevrolet Tahoe
     Value: $0.00  |  Owed: $12,000.00
  2. [vehicle] 2025 Puma (type unknown — may be Palomino Puma travel trailer/RV)
     Value: $0.00  |  Owed: $16,100.00
  3. [bank_account] Associated Bank Checking Account
     Value: $6,929.02  |  Owed: $0.00
  4. [bank_account] US Bank Work Card (Amazon pay card)
     Value: $4.73  |  Owed: $0.00
  5. [bank_account] Cash App Account
     Value: $0.00  |  Owed: $0.00
  6. [household_goods] Household goods — crib, baby toys, playpen, highchair, bath seat, baby food blender
     Value: $530.00  |  Owed: $0.00
  7. [electronics] Cell phone and phone charger
     Value: $100.00  |  Owed: $0.00
  8. [clothing] Clothing
     Value: $500.00  |  Owed: $0.00
  9. [other_personal_property] Books (3 from Barnes & Noble), pictures with frames, grandma photos
     Value: $100.00  |  Owed: $0.00
  10. [sports_equipment] 3 kayaks (2 free, 1 purchased for $49.99)
     Value: $1,500.00  |  Owed: $0.00
  11. [retirement_401k] Amazon 401(k) Plan (Traditional)
     Value: $0.00  |  Owed: $0.00
  12. [tax_refund] 2025 Federal Tax Refund
     Value: $8,231.00  |  Owed: $0.00
  13. [tax_refund] 2025 Wisconsin State Tax Refund (net of IL liability)
     Value: $1,836.00  |  Owed: $0.00
  14. [household_goods] Bob's Furniture bedroom set
     Value: $1,000.00  |  Owed: $0.00
  15. [other_personal_property] Auto insurance policy (Progressive or similar)
     Value: $0.00  |  Owed: $0.00
  Total asset value: $20,730.75

## 4. EXEMPTIONS (Schedule C)
  1. 2019 Chevrolet Tahoe: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  2. 2025 Puma (type unknown — may be Palomino Puma travel trailer/RV): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  3. Associated Bank Checking Account: $4,000.00 exempt
     Statute: 735 ILCS 5/12-1001(b)
  4. US Bank Work Card (Amazon pay card): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  5. Cash App Account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  6. Household goods — crib, baby toys, playpen, highchair, bath seat, baby food blender: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. Cell phone and phone charger: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  8. Clothing: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  9. Books (3 from Barnes & Noble), pictures with frames, grandma photos: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  10. 3 kayaks (2 free, 1 purchased for $49.99): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  11. Amazon 401(k) Plan (Traditional): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  12. 2025 Federal Tax Refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  13. 2025 Wisconsin State Tax Refund (net of IL liability): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  14. Bob's Furniture bedroom set: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  15. Auto insurance policy (Progressive or similar): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-1)
  Total exempt: $21,401.73 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - Chase Bank (Auto Loan): $12,000.00
    - Summit Credit Union (Auto/RV Loan): $38,000.00
  Priority Unsecured (1):
    - Illinois Department of Revenue: $864.00
  General Unsecured (1):
    - Bob's Furniture (MasterCard): $2,030.00
  Total debt: $52,894.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $3.46
  Child Support: $100.00
  Childcare: $120.00
  Electricity: $82.00
  Entertainment: $40.00
  Food: $40.00
  Medical Dental: $92.00
  Personal Care: $100.00
  Phone: $111.74
  Total Monthly: $2,518.85
  Transportation: $50.00
  Vehicle Insurance: $126.74
  Vehicle Payment: $742.85
  Vehicle Payment 2: $610.06
  Total monthly expenses: $4,737.70

## 7. DEPENDENTS
  - UNKNOWN, age None, Daughter

## 8. MEANS TEST
  Household Size: 2
  CMI: $4,237.33/month ($50,848.00/year)
  State Median (IL, 2): $91,526.00/year
  RESULT: BELOW MEDIAN — No presumption of abuse

## 9. TRACK 2 PDFs
  No PDFs generated yet. Run: petition_filler.py packet intake.json

## 10. VALIDATION RESULTS
  Errors: 2  |  Warnings: 37
  ERROR: SSN format invalid: UNKNOWN (expected XXX-XX-XXXX)
  ERROR: DOB format invalid: UNKNOWN (expected YYYY-MM-DD)
  WARNING: Other income source 'Child Support (pending)' has no amount
  WARNING: No rent/mortgage expense listed
  WARNING: Missing extraction source
  WARNING: No source documents listed in _meta
  WARNING: Unrecognized SOFA question key: 'q12_setoffs'
  WARNING: Unrecognized SOFA question key: 'q16_nature_of_business'
  WARNING: Unrecognized SOFA question key: 'q1_marital'
  WARNING: Unrecognized SOFA question key: 'q11_safe_deposit'
  WARNING: Unrecognized SOFA question key: 'q5_lawsuits'
  WARNING: Unrecognized SOFA question key: 'q17_prior_bankruptcy'
  ... and 27 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: Angel Conley
Generated: 2026-04-27
======================================================================

## ERRORS (must fix before filing)

1. [client] SSN format invalid: UNKNOWN (expected XXX-XX-XXXX)
   Field: client.ssn

2. [client] DOB format invalid: UNKNOWN (expected YYYY-MM-DD)
   Field: client.dob

## WARNINGS (review and verify)

3. [income] Other income source 'Child Support (pending)' has no amount

4. [expenses] No rent/mortgage expense listed

5. [meta] Missing extraction source

6. [meta] No source documents listed in _meta

7. [sofa] Unrecognized SOFA question key: 'q12_setoffs'
   Field: sofa.q12_setoffs

8. [sofa] Unrecognized SOFA question key: 'q16_nature_of_business'
   Field: sofa.q16_nature_of_business

9. [sofa] Unrecognized SOFA question key: 'q1_marital'
   Field: sofa.q1_marital

10. [sofa] Unrecognized SOFA question key: 'q11_safe_deposit'
   Field: sofa.q11_safe_deposit

11. [sofa] Unrecognized SOFA question key: 'q5_lawsuits'
   Field: sofa.q5_lawsuits

12. [sofa] Unrecognized SOFA question key: 'q17_prior_bankruptcy'
   Field: sofa.q17_prior_bankruptcy

13. [sofa] Unrecognized SOFA question key: 'q2_income_employment'
   Field: sofa.q2_income_employment

14. [sofa] Unrecognized SOFA question key: 'q9_transfers'
   Field: sofa.q9_transfers

15. [sofa] Unrecognized SOFA question key: 'q10_closed_accounts'
   Field: sofa.q10_closed_accounts

16. [sofa] Unrecognized SOFA question key: 'q8_losses'
   Field: sofa.q8_losses

17. [sofa] Unrecognized SOFA question key: 'q13_environment'
   Field: sofa.q13_environment

18. [sofa] Unrecognized SOFA question key: 'q9_credit_counseling'
   Field: sofa.q9_credit_counseling

19. [sofa] Unrecognized SOFA question key: 'q4_payments_creditors'
   Field: sofa.q4_payments_creditors

20. [sofa] Unrecognized SOFA question key: 'q18_attorney_fees'
   Field: sofa.q18_attorney_fees

21. [sofa] Unrecognized SOFA question key: 'q6_repossessions'
   Field: sofa.q6_repossessions

22. [sofa] Unrecognized SOFA question key: 'q15_prior_addresses'
   Field: sofa.q15_prior_addresses

23. [sofa] Unrecognized SOFA question key: 'q7_gifts'
   Field: sofa.q7_gifts

24. [sofa] Unrecognized SOFA question key: 'q3_income_other'
   Field: sofa.q3_income_other

25. [sofa] Unrecognized SOFA question key: 'q14_tax_refunds'
   Field: sofa.q14_tax_refunds

26. [sofa] Q16 attorney fees missing — should always have entry
   Field: sofa.q16_attorney_fees

27. [expenses] Food expense $40.00/month unusually low — verify against bank statements
   Field: expenses.food

28. [assets] Vehicle has no value — KBB lookup needed: 2019 Chevrolet Tahoe
   Field: assets[0]

29. [assets] Vehicle has no value — KBB lookup needed: 2025 Puma (type unknown — may be Palomino Puma travel trailer/RV)
   Field: assets[1]

30. [assets] Vehicle description should include year, make, model: '2025 Puma (type unknown — may be Palomino Puma travel trailer/RV)'
   Field: assets[1]

31. [creditors] Tax creditor found: Illinois Department of Revenue — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[2]

32. [documents] Missing document: Government ID scan
   Field: _meta.source_documents.id_scan

33. [documents] Missing document: Paystubs (last 6 months)
   Field: _meta.source_documents.paystubs

34. [documents] Missing document: Tax returns (last 2 years)
   Field: _meta.source_documents.tax_returns

35. [documents] Missing document: Bank statements (last 3 months)
   Field: _meta.source_documents.bank_statements

36. [documents] Missing document: Credit counseling certificate
   Field: _meta.source_documents.credit_cert

37. [documents] Missing document: Retainer agreement
   Field: _meta.source_documents.retainer

38. [documents] Missing document: Client questionnaire
   Field: _meta.source_documents.questionnaire

39. [documents] Missing document: Credit report
   Field: _meta.source_documents.credit_report

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Total: 39 issue(s) requiring attention.