Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: TESTLinh Thi TESTNguyen
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            TESTLinh Thi TESTNguyen
  SSN:             ***-**-0009
  DOB:             1988-07-30
  Marital Status:  Divorced
  Filing Status:   Individual
  Address:         2715 Pebblewood Dr
                   Rockford, IL 61114
  County:          Winnebago
  Phone:           8155550109
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Rock Valley College
    Occupation:   Administrative Assistant
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,615.38
    Net/Period:   $921.70
    Deductions (8):
      Federal Tax: $129.23
      IL State Tax: $80.15
      Social Security: $100.15
      Medicare: $23.42
      SURS Pension: $129.23
      Health PPO (Family): $195.00
      Dental: $28.00
      Basic Life: $8.50

  Other Income:
    Child support from Tuan Nguyen (ex-husband): $650.00/month

## 3. ASSETS (Schedule A/B)
  1. [real_property] Condo unit, 2715 Pebblewood Dr Unit B, Rockford IL 61114
     Value: $165,000.00  |  Owed: $140,000.00
  2. [vehicle] 2021 Honda HR-V EX, 42,000 mi
     Value: $16,000.00  |  Owed: $9,000.00
  3. [vehicle] 2014 Toyota Corolla S, 118,000 mi
     Value: $5,500.00  |  Owed: $0.00
  4. [bank_account] BMO Harris Checking
     Value: $1,200.00  |  Owed: $0.00
  5. [bank_account] BMO Harris Savings
     Value: $3,800.00  |  Owed: $0.00
  6. [jewelry] Diamond engagement ring (retained after divorce), gold bracelet, pearl earrings
     Value: $4,500.00  |  Owed: $0.00
  7. [household_goods] Condo furnishings — sofa, dining set, beds, dressers, TV, kitchen appliances
     Value: $2,500.00  |  Owed: $0.00
  8. [clothing] Personal clothing — debtor and daughter
     Value: $400.00  |  Owed: $0.00
  9. [electronics] MacBook Air, iPhone 14, daughter's iPad
     Value: $800.00  |  Owed: $0.00
  10. [retirement_pension] SURS Pension (Rock Valley College)
     Value: $18,000.00  |  Owed: $0.00
  11. [tax_refund] Expected 2025 federal tax refund
     Value: $2,400.00  |  Owed: $0.00
  Total asset value: $220,100.00

## 4. EXEMPTIONS (Schedule C)
  1. Condo unit, 2715 Pebblewood Dr Unit B, Rockford IL 61114: FULLY EXEMPT
     Statute: 735 ILCS 5/12-901
  2. 2021 Honda HR-V EX, 42,000 mi: $3,600.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  3. 2014 Toyota Corolla S, 118,000 mi: $0.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. BMO Harris Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  5. BMO Harris Savings: $2,800.00 exempt
     Statute: 735 ILCS 5/12-1001(b)
  6. Diamond engagement ring (retained after divorce), gold bracelet, pearl earrings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. Condo furnishings — sofa, dining set, beds, dressers, TV, kitchen appliances: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  8. Personal clothing — debtor and daughter: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  9. MacBook Air, iPhone 14, daughter's iPad: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  10. SURS Pension (Rock Valley College): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  11. Expected 2025 federal tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $61,700.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - Flagstar Bank: $140,000.00
    - Honda Financial Services: $9,000.00
  General Unsecured (6):
    - Capital One: $5,200.00
    - Barclays (Apple Card via Goldman Sachs): $3,800.00
    - Synchrony Bank (TJX Rewards): $1,200.00
    - LVNV Funding LLC: $2,800.00
    - Midland Credit Management: $1,900.00
    - SwedishAmerican Medical Group: $850.00
  Total debt: $164,750.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $25.00
  Charitable: $25.00
  Childcare: $150.00
  Clothing: $60.00
  Electricity: $90.00
  Entertainment: $25.00
  Food: $400.00
  Gas Heat: $65.00
  Hoa Condo Fees: $225.00
  Internet: $55.00
  Medical Dental: $30.00
  Personal Care: $30.00
  Phone: $85.00
  Rent Mortgage: $1,150.00
  Total Monthly: $2,895.00
  Transportation: $280.00
  Vehicle Insurance: $155.00
  Water Sewer: $45.00
  Total monthly expenses: $5,790.00

## 7. DEPENDENTS
  - Mei Nguyen, age 10, Daughter

## 8. MEANS TEST
  Household Size: 2
  CMI: $4,150.00/month ($49,800.00/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: 0  |  Warnings: 29
  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 19 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: TESTLinh TESTNguyen
Generated: 2026-04-27
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## 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. [documents] Missing document: Government ID scan
   Field: _meta.source_documents.id_scan

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

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

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

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

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

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

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

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Total: 29 issue(s) requiring attention.