Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: TESTPatrick James TESTO'Brien
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            TESTPatrick James TESTO'Brien
  SSN:             ***-**-0008
  DOB:             1972-12-05
  Marital Status:  Divorced
  Filing Status:   Individual
  Address:         4210 Newburg Rd
                   Rockford, IL 61108
  County:          Winnebago
  Phone:           8155550108
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Fehr Graham Engineering & Environmental
    Occupation:   Project Manager
    Duration:     None
    Pay Period:   Monthly
    Gross/Period: $4,583.33
    Net/Period:   $3,019.21
    Deductions (8):
      Federal Tax: $583.33
      IL State Tax: $227.33
      Social Security: $284.17
      Medicare: $66.46
      Health PPO (Single): $185.00
      Dental: $22.00
      401(k) 4%: $183.33
      Basic Life: $12.50

## 3. ASSETS (Schedule A/B)
  1. [bank_account] Chase Checking
     Value: $1,450.00  |  Owed: $0.00
  2. [bank_account] Chase Savings
     Value: $620.00  |  Owed: $0.00
  3. [vehicle] 2019 Honda Accord LX, 67,000 mi
     Value: $15,500.00  |  Owed: $6,800.00
  4. [household_goods] Apartment furnishings, TV, small appliances
     Value: $1,500.00  |  Owed: $0.00
  5. [clothing] Personal clothing
     Value: $250.00  |  Owed: $0.00
  6. [electronics] iPhone 15, laptop, tablet
     Value: $700.00  |  Owed: $0.00
  7. [retirement_401k] Fehr Graham 401(k)
     Value: $12,500.00  |  Owed: $0.00
  8. [retirement_401k] Walsh Construction 401(k) — rollover IRA
     Value: $28,000.00  |  Owed: $0.00
  9. [tax_refund] Expected 2025 federal tax refund
     Value: $1,200.00  |  Owed: $0.00
  Total asset value: $61,720.00

## 4. EXEMPTIONS (Schedule C)
  1. Chase Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  2. Chase Savings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. 2019 Honda Accord LX, 67,000 mi: $3,600.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. Apartment furnishings, TV, small appliances: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  5. Personal clothing: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  6. iPhone 15, laptop, tablet: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. Fehr Graham 401(k): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  8. Walsh Construction 401(k) — rollover IRA: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  9. Expected 2025 federal tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $49,820.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (1):
    - Honda Financial Services: $6,800.00
  Priority Unsecured (2):
    - Internal Revenue Service: $8,200.00
    - Ex-spouse: Jennifer O'Brien (DSO): $0.00
  General Unsecured (5):
    - Barclays (Upromise Mastercard): $6,500.00
    - Bank of America: $8,900.00
    - Wells Fargo: $4,100.00
    - Comenity Bank (Wayfair Card): $2,800.00
    - OSF HealthCare (St. Anthony Medical Center): $3,200.00
  Total debt: $40,500.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $35.00
  Charitable: $25.00
  Clothing: $40.00
  Dining Out: $60.00
  Electricity: $95.00
  Entertainment: $30.00
  Food: $350.00
  Gas Heat: $75.00
  Internet: $65.00
  Medical Dental: $45.00
  Personal Care: $25.00
  Phone: $85.00
  Rent Mortgage: $1,100.00
  Renters Insurance: $22.00
  Total Monthly: $2,507.00
  Transportation: $280.00
  Vehicle Insurance: $120.00
  Water Sewer: $55.00
  Total monthly expenses: $5,014.00

## 7. DEPENDENTS
  No dependents.

## 8. MEANS TEST
  Household Size: 1
  CMI: $4,583.33/month ($54,999.96/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: 0  |  Warnings: 41
  WARNING: No balance for creditor: Ex-spouse: Jennifer O'Brien (DSO)
  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: 'q25_government_payments'
  WARNING: Unrecognized SOFA question key: 'q5_lawsuits'
  WARNING: Unrecognized SOFA question key: 'q21_community_property'
  ... and 31 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: TESTPatrick TESTO'Brien
Generated: 2026-04-27
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## WARNINGS (review and verify)

1. [creditors] No balance for creditor: Ex-spouse: Jennifer O'Brien (DSO)
   Field: creditors[7]

2. [meta] Missing extraction source

3. [meta] No source documents listed in _meta

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

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

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

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

8. [sofa] Unrecognized SOFA question key: 'q25_government_payments'
   Field: sofa.q25_government_payments

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

10. [sofa] Unrecognized SOFA question key: 'q21_community_property'
   Field: sofa.q21_community_property

11. [sofa] Unrecognized SOFA question key: 'q19_business_connections'
   Field: sofa.q19_business_connections

12. [sofa] Unrecognized SOFA question key: 'q28_tax_returns_filed'
   Field: sofa.q28_tax_returns_filed

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

14. [sofa] Unrecognized SOFA question key: 'q22_property_held_for_another'
   Field: sofa.q22_property_held_for_another

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

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

17. [sofa] Unrecognized SOFA question key: 'q26_identity_theft'
   Field: sofa.q26_identity_theft

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

19. [sofa] Unrecognized SOFA question key: 'q27_other_statements'
   Field: sofa.q27_other_statements

20. [sofa] Unrecognized SOFA question key: 'q24_health_education_ins'
   Field: sofa.q24_health_education_ins

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

22. [sofa] Unrecognized SOFA question key: 'q23_storage'
   Field: sofa.q23_storage

23. [sofa] Unrecognized SOFA question key: 'q20_gambling'
   Field: sofa.q20_gambling

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

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

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

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

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

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

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

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

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

33. [creditors] Tax creditor found: Internal Revenue Service — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[1]

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

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

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

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

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

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

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

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

42. [CREDIT REPORT] 1 creditors missing balances
   Creditors: Ex-spouse: Jennifer O'Brien (DSO)
   Action: Order credit report (CreditVista) or request statements from client.

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Total: 42 issue(s) requiring attention.