Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: Melinda Morris
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            Melinda Morris
  SSN:             
  DOB:             None
  Marital Status:  Single
  Filing Status:   None
  Phone:           779-256-1230
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  No employment records.
## 3. ASSETS (Schedule A/B)
  1. [vehicle] 2003 Mercedes C-230
     Value: $0.00  |  Owed: $0.00
  2. [vehicle] 2021 Kia Sportage
     Value: $0.00  |  Owed: $24,700.00
  Total asset value: $0.00

## 4. EXEMPTIONS (Schedule C)
  1. 2003 Mercedes C-230: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  2. 2021 Kia Sportage: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  Total exempt: $3,600.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  No creditors listed.

## 6. MONTHLY EXPENSES (Schedule J)
  No expenses listed.

## 7. DEPENDENTS
  No dependents.

## 8. MEANS TEST
  Household Size: 1
  CMI: $0.00/month ($0.00/year)
  State Median (IL, 1): $71,304.00/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: 19
  ERROR: Missing SSN
  ERROR: Missing address
  WARNING: Missing date of birth
  WARNING: No employment records — verify if unemployed
  WARNING: No bank accounts listed — most debtors have at least one
  WARNING: No creditors listed — unusual for bankruptcy filing
  WARNING: No expenses section — needed for Schedule J
  WARNING: Household size not set — needed for means test
  WARNING: No source documents listed in _meta
  WARNING: No SOFA section — needed for Form 107
  WARNING: Vehicle has no value — KBB lookup needed: 2003 Mercedes C-230
  WARNING: Vehicle has no value — KBB lookup needed: 2021 Kia Sportage
  ... and 9 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: Melinda Morris
Generated: 2026-04-27
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## ERRORS (must fix before filing)

1. [client] Missing SSN
   Field: client.ssn

2. [client] Missing address
   Field: client.address

## WARNINGS (review and verify)

3. [client] Missing date of birth
   Field: client.dob

4. [employment] No employment records — verify if unemployed

5. [assets] No bank accounts listed — most debtors have at least one

6. [creditors] No creditors listed — unusual for bankruptcy filing

7. [expenses] No expenses section — needed for Schedule J

8. [means_test] Household size not set — needed for means test

9. [meta] No source documents listed in _meta

10. [sofa] No SOFA section — needed for Form 107

11. [assets] Vehicle has no value — KBB lookup needed: 2003 Mercedes C-230
   Field: assets[0]

12. [assets] Vehicle has no value — KBB lookup needed: 2021 Kia Sportage
   Field: assets[1]

13. [venue] No county specified — cannot verify venue/division
   Field: client.address.county

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

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

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

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

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

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

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

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

22. [CLIENT ACTION] SSN verification needed
   Client must provide valid SSN before filing.

23. [MEANS TEST] Household size not set
   Confirm with client: who lives in the household?
   Current dependents listed: 0

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Total: 23 issue(s) requiring attention.