Case Report

======================================================================
BANKRUPTCY PETITION DRAFT REPORT
Client: TESTJerome Maurice TESTDavis
Chapter: 13
Generated: 2026-04-27
Source: 
======================================================================

## 1. CLIENT DEMOGRAPHICS
  Name:            TESTJerome Maurice TESTDavis
  SSN:             ***-**-0010
  DOB:             1982-10-08
  Marital Status:  Married
  Filing Status:   Joint
  Address:         5840 Woodhaven Ln
                   Loves Park, IL 61111
  County:          Winnebago
  Phone:           8155550110
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Woodward Inc.
    Occupation:   Manufacturing Technician
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $2,307.69
    Net/Period:   $1,303.54
    Deductions (8):
      Federal Tax: $230.77
      IL State Tax: $114.46
      Social Security: $143.08
      Medicare: $33.46
      Family Health PPO: $310.00
      Family Dental: $42.00
      401(k) 5%: $115.38
      Supplemental Life: $15.00

  Employer 2: Crusader Community Health
    Occupation:   Medical Billing Specialist
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,307.69
    Net/Period:   $998.92
    Deductions (6):
      Federal Tax: $104.62
      IL State Tax: $64.88
      Social Security: $81.08
      Medicare: $18.96
      Waived — on Jerome's plan: $0.00
      403(b) 3%: $39.23

## 3. ASSETS (Schedule A/B)
  1. [real_property] Single-family home, 5840 Woodhaven Ln, Loves Park IL 61111
     Value: $210,000.00  |  Owed: $195,000.00
  2. [vehicle] 2020 Chevrolet Equinox LT, 58,000 mi
     Value: $16,000.00  |  Owed: $11,200.00
  3. [vehicle] 2018 Ford Escape SE, 82,000 mi
     Value: $11,000.00  |  Owed: $3,500.00
  4. [bank_account] Wells Fargo Joint Checking
     Value: $1,650.00  |  Owed: $0.00
  5. [bank_account] Wells Fargo Joint Savings
     Value: $450.00  |  Owed: $0.00
  6. [retirement_401k] Jerome — Woodward 401(k)
     Value: $52,000.00  |  Owed: $0.00
  7. [retirement_401k] Tamika — Crusader 403(b)
     Value: $14,000.00  |  Owed: $0.00
  8. [household_goods] Home furnishings, appliances — 3BR house
     Value: $3,500.00  |  Owed: $0.00
  9. [clothing] Personal clothing — 5 household members
     Value: $800.00  |  Owed: $0.00
  10. [electronics] 3 iPhones, iPad, 2 laptops, gaming console, smart TV
     Value: $1,500.00  |  Owed: $0.00
  11. [tax_refund] Expected 2025 federal tax refund (MFJ)
     Value: $4,200.00  |  Owed: $0.00
  Total asset value: $315,100.00

## 4. EXEMPTIONS (Schedule C)
  1. Single-family home, 5840 Woodhaven Ln, Loves Park IL 61111: FULLY EXEMPT
     Statute: 735 ILCS 5/12-901
  2. 2020 Chevrolet Equinox LT, 58,000 mi: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  3. 2018 Ford Escape SE, 82,000 mi: $0.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. Wells Fargo Joint Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  5. Wells Fargo Joint Savings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  6. Jerome — Woodward 401(k): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  7. Tamika — Crusader 403(b): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  8. Home furnishings, appliances — 3BR house: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  9. Personal clothing — 5 household members: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  10. 3 iPhones, iPad, 2 laptops, gaming console, smart TV: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  11. Expected 2025 federal tax refund (MFJ): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $100,300.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (3):
    - Wells Fargo Home Mortgage: $195,000.00
    - GM Financial: $11,200.00
    - Capital One Auto Finance: $3,500.00
  Priority Unsecured (1):
    - Internal Revenue Service: $3,200.00
  General Unsecured (7):
    - Chase Bank USA: $7,500.00
    - Discover Financial: $5,200.00
    - Capital One: $4,800.00
    - Synchrony Bank (Lowe's): $3,200.00
    - Citibank: $4,100.00
    - OSF HealthCare (medical): $1,800.00
    - Comenity Bank (Wayfair): $1,400.00
  Total debt: $240,900.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $40.00
  Charitable: $100.00
  Clothing: $120.00
  Dining Out: $60.00
  Education: $80.00
  Electricity: $180.00
  Entertainment: $50.00
  Food: $850.00
  Gas Heat: $120.00
  Home Maintenance: $100.00
  Internet: $65.00
  Medical Dental: $75.00
  Personal Care: $50.00
  Phone: $220.00
  Property Insurance: $95.00
  Real Estate Taxes: $310.00
  Rent Mortgage: $1,350.00
  Total Monthly: $4,650.00
  Transportation: $450.00
  Vehicle Insurance: $260.00
  Water Sewer: $75.00
  Total monthly expenses: $9,300.00

## 7. DEPENDENTS
  - Marcus Davis, age 14, Son
  - Zaria Davis, age 11, Daughter
  - Jaylen Davis, age 7, Son

## 8. MEANS TEST
  Household Size: 5
  CMI: $3,615.38/month ($43,384.56/year)
  State Median (IL, 5): $145,466.00/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: 0  |  Warnings: 30
  WARNING: Missing extraction source
  WARNING: No source documents listed in _meta
  WARNING: Unrecognized SOFA question key: 'q17_prior_bankruptcy'
  WARNING: Unrecognized SOFA question key: 'q18_attorney_fees'
  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: 'q2_income_employment'
  WARNING: Unrecognized SOFA question key: 'q6_repossessions'
  ... and 20 more warnings

======================================================================
Report generated by SpringerBK on 2026-04-27
======================================================================

======================================================================
ISSUES REQUIRING ATTORNEY ATTENTION
Client: TESTJerome TESTDavis
Generated: 2026-04-27
======================================================================

## WARNINGS (review and verify)

1. [meta] Missing extraction source

2. [meta] No source documents listed in _meta

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

22. [creditors] Tax creditor found: Internal Revenue Service — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[3]

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

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

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

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

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

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

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

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

----------------------------------------------------------------------
Total: 30 issue(s) requiring attention.