Case Report

======================================================================
BANKRUPTCY PETITION DRAFT REPORT
Client: Iridiana Morales Cano
Chapter: 7
Generated: 2026-04-27
Source: 
======================================================================

## 1. CLIENT DEMOGRAPHICS
  Name:            Iridiana Morales Cano
  SSN:             ***-**-3177
  DOB:             1995-02-06
  Marital Status:  Divorced
  Filing Status:   Individual
  Address:         513 Lincoln Ave
                   Rockford, IL 61109
  County:          Winnebago
  Phone:           (779) 274-9199
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Northstar Medical Radioisotopes, LLC
    Occupation:   Quality Control Analyst
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $2,265.24
    Net/Period:   $1,811.38
    Deductions (10):
      Federal Income Tax Withholding: $25.00
      Illinois State Tax: $92.79
      Medicare: $30.77
      Social Security: $131.57
      401(k): $22.65
      Medical Insurance: $128.00
      Dental Insurance: $10.86
      Life Insurance: $6.99
      Vision Insurance: $4.21
      Child Life Insurance: $1.02

  Other Income:
    SNAP/Food Stamps (LINK): $500.00/month

## 3. ASSETS (Schedule A/B)
  1. [vehicle] Ford Mustang, 150,000 miles
     Value: $5,000.00  |  Owed: $25,990.33
  2. [bank_account] Chime Checking (Stride Bank, N.A.) acct ***7383
     Value: $100.00  |  Owed: $0.00
  3. [bank_account] Cash App Checking (Sutton Bank) acct ***7980
     Value: $300.00  |  Owed: $0.00
  4. [bank_account] UMB Checking acct ***2329
     Value: $0.00  |  Owed: $0.00
  5. [bank_account] UMB Savings acct ***6279
     Value: $0.00  |  Owed: $0.00
  6. [bank_account] Chime Savings (Stride Bank) — if separate from checking
     Value: $0.00  |  Owed: $0.00
  7. [bank_account] Cash App Savings (Sutton Bank) — if separate from checking
     Value: $0.00  |  Owed: $0.00
  8. [security_deposit] Security deposit held by landlord at 513 Lincoln Ave
     Value: $1,200.00  |  Owed: $0.00
  9. [household_goods] 1 Couch, 1 Queen bed, 1 Twin bed, 2 Dressers, 1 60in TV, 1 40in TV
     Value: $540.00  |  Owed: $0.00
  10. [clothing] Pants, Shoes, Shirts, Coats — general wardrobe
     Value: $200.00  |  Owed: $0.00
  11. [retirement_401k] 401(k) through Northstar Medical
     Value: $400.00  |  Owed: $0.00
  12. [tax_refund] 2025 Federal/State Tax Refund
     Value: $11,125.00  |  Owed: $0.00
  Total asset value: $18,865.00

## 4. EXEMPTIONS (Schedule C)
  1. Ford Mustang, 150,000 miles: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  2. Chime Checking (Stride Bank, N.A.) acct ***7383: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  3. Cash App Checking (Sutton Bank) acct ***7980: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  4. UMB Checking acct ***2329: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  5. UMB Savings acct ***6279: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  6. Chime Savings (Stride Bank) — if separate from checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  7. Cash App Savings (Sutton Bank) — if separate from checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(j)
  8. Security deposit held by landlord at 513 Lincoln Ave: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  9. 1 Couch, 1 Queen bed, 1 Twin bed, 2 Dressers, 1 60in TV, 1 40in TV: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  10. Pants, Shoes, Shirts, Coats — general wardrobe: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  11. 401(k) through Northstar Medical: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  12. 2025 Federal/State Tax Refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $17,465.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - Ally Financial: $23,675.00
    - Credit Acceptance Corporation: $12,728.00
  General Unsecured (10):
    - Comenity Bank/Victoria's Secret: $190.00
    - Synchrony Bank/Care Credit: $1,384.00
    - Credit One Bank: $2,587.00
    - Capital One: $358.00
    - World Finance Corp: $1,855.00
    - Security Finance: $1,166.00
    - Citibank/Best Buy: $2,453.00
    - Affirm, Inc.: $1,896.00
    - Illinois Bank And Trust: $582.00
    - Harris & Harris Ltd: $181.00
  Total debt: $49,055.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $26.00
  Childcare: $241.00
  Clothing: $200.00
  Education: $50.00
  Electricity: $100.00
  Entertainment: $70.00
  Food: $150.00
  Gas Heat: $100.00
  Health Insurance: $156.40
  Internet: $150.00
  Personal Care: $100.00
  Phone: $120.00
  Property Insurance: $23.67
  Rent Mortgage: $1,200.00
  Total Monthly: $4,475.98
  Transportation: $200.00
  Vehicle Insurance: $270.00
  Vehicle Payment: $638.91
  Total monthly expenses: $8,271.96

## 7. DEPENDENTS
  - Unknown (WILL per tax return), age 11, Child
  - Unknown, age 7, Child
  - Unknown, age 1, Child

## 8. MEANS TEST
  Household Size: 4
  CMI: $4,568.41/month ($54,820.96/year)
  State Median (IL, 4): $134,366.00/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: 14
  WARNING: Secured creditor 'Credit Acceptance Corporation' missing collateral description
  WARNING: Missing extraction source
  WARNING: No source documents listed in _meta
  WARNING: Q16 attorney fees missing — should always have entry
  WARNING: Food expense $150.00/month unusually low — verify against bank statements
  WARNING: Vehicle description should include year, make, model: 'Ford Mustang, 150,000 miles'
  WARNING: Missing document: Government ID scan
  WARNING: Missing document: Paystubs (last 6 months)
  WARNING: Missing document: Tax returns (last 2 years)
  WARNING: Missing document: Bank statements (last 3 months)
  ... and 4 more warnings

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

======================================================================
ISSUES REQUIRING ATTORNEY ATTENTION
Client: Iridiana Morales Cano
Generated: 2026-04-27
======================================================================

## WARNINGS (review and verify)

1. [creditors] Secured creditor 'Credit Acceptance Corporation' missing collateral description
   Field: creditors[9]

2. [meta] Missing extraction source

3. [meta] No source documents listed in _meta

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

5. [expenses] Food expense $150.00/month unusually low — verify against bank statements
   Field: expenses.food

6. [assets] Vehicle description should include year, make, model: 'Ford Mustang, 150,000 miles'
   Field: assets[0]

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

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

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

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

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

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

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

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

----------------------------------------------------------------------
Total: 14 issue(s) requiring attention.