Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: TESTAnita TESTPatel
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            TESTAnita TESTPatel
  SSN:             ***-**-0006
  DOB:             1978-04-12
  Marital Status:  Married
  Filing Status:   Joint
  Address:         6315 Brendenwood Rd
                   Rockford, IL 61114
  County:          Winnebago
  Phone:           8155550106
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Mercyhealth Hospital & Medical Center
    Occupation:   Registered Nurse (RN)
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $2,884.62
    Net/Period:   $1,565.98
    Deductions (9):
      Federal Tax: $346.15
      IL State Tax: $143.08
      Social Security: $178.85
      Medicare: $41.83
      Family Health PPO: $380.00
      Family Dental: $48.00
      Vision: $14.00
      403(b) 5%: $144.23
      Supplemental Life (2x salary): $22.50

  Employer 2: Walgreens Co.
    Occupation:   Pharmacist
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $4,230.77
    Net/Period:   $2,709.18
    Deductions (7):
      Federal Tax: $634.62
      IL State Tax: $209.85
      Social Security: $262.31
      Medicare: $61.35
      Waived — on Anita's plan: $0.00
      401(k) 8%: $338.46
      Basic Life: $15.00

  Other Income:
    Kamala Patel — Social Security (mother-in-law): $1,100.00/month

## 3. ASSETS (Schedule A/B)
  1. [real_property] Single-family home, 6315 Brendenwood Rd, Rockford IL 61114
     Value: $245,000.00  |  Owed: $220,000.00
  2. [vehicle] 2022 Honda Odyssey EX-L, 38,000 mi
     Value: $28,000.00  |  Owed: $18,500.00
  3. [vehicle] 2020 Toyota Corolla LE, 52,000 mi
     Value: $14,500.00  |  Owed: $0.00
  4. [bank_account] US Bank Joint Checking
     Value: $2,800.00  |  Owed: $0.00
  5. [bank_account] US Bank Joint Savings
     Value: $1,500.00  |  Owed: $0.00
  6. [bank_account] Kamala Patel — Personal Checking (BMO Harris)
     Value: $2,200.00  |  Owed: $0.00
  7. [retirement_401k] Deepak — Walgreens 401(k)
     Value: $85,000.00  |  Owed: $0.00
  8. [retirement_401k] Anita — Mercyhealth 403(b)
     Value: $42,000.00  |  Owed: $0.00
  9. [education_529] IL Bright Start 529 — Priya
     Value: $12,000.00  |  Owed: $0.00
  10. [education_529] IL Bright Start 529 — Rohan
     Value: $8,500.00  |  Owed: $0.00
  11. [household_goods] Furniture, appliances, kitchen items — 4BR home
     Value: $5,000.00  |  Owed: $0.00
  12. [jewelry] Anita — wedding ring, gold necklace, earrings
     Value: $3,500.00  |  Owed: $0.00
  13. [clothing] Personal clothing — 6 household members
     Value: $1,200.00  |  Owed: $0.00
  14. [electronics] 4 iPhones, 2 iPads, 3 laptops, gaming console
     Value: $2,000.00  |  Owed: $0.00
  15. [tax_refund] Expected 2025 federal tax refund (MFJ)
     Value: $4,500.00  |  Owed: $0.00
  Total asset value: $457,700.00

## 4. EXEMPTIONS (Schedule C)
  1. Single-family home, 6315 Brendenwood Rd, Rockford IL 61114: FULLY EXEMPT
     Statute: 735 ILCS 5/12-901
  2. 2022 Honda Odyssey EX-L, 38,000 mi: $7,200.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  3. 2020 Toyota Corolla LE, 52,000 mi: $0.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. US Bank Joint Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  5. US Bank Joint Savings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  6. Kamala Patel — Personal Checking (BMO Harris): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  7. Deepak — Walgreens 401(k): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  8. Anita — Mercyhealth 403(b): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  9. IL Bright Start 529 — Priya: $1,500.00 exempt
     Statute: 735 ILCS 5/12-1001(b)
  10. IL Bright Start 529 — Rohan: $0.00 exempt
     Statute: 
  11. Furniture, appliances, kitchen items — 4BR home: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  12. Anita — wedding ring, gold necklace, earrings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  13. Personal clothing — 6 household members: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  14. 4 iPhones, 2 iPads, 3 laptops, gaming console: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  15. Expected 2025 federal tax refund (MFJ): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $183,400.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - US Bank Home Mortgage: $220,000.00
    - Honda Financial Services: $18,500.00
  General Unsecured (9):
    - Navient (now Aidvantage): $18,000.00
    - Chase Bank USA: $12,500.00
    - Capital One: $8,200.00
    - Citibank (Costco Visa): $6,800.00
    - Discover Financial Services: $5,500.00
    - American Express: $4,200.00
    - Synchrony Bank (CareCredit): $3,800.00
    - Mercyhealth (medical): $2,400.00
    - Target RedCard (TD Bank): $1,800.00
  Total debt: $301,700.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $55.00
  Charitable: $150.00
  Clothing: $200.00
  Dining Out: $120.00
  Education: $200.00
  Electricity: $220.00
  Entertainment: $100.00
  Food: $1,100.00
  Gas Heat: $145.00
  Home Maintenance: $150.00
  Internet: $80.00
  Medical Dental: $250.00
  Personal Care: $80.00
  Phone: $280.00
  Property Insurance: $130.00
  Real Estate Taxes: $420.00
  Rent Mortgage: $1,850.00
  Total Monthly: $6,980.00
  Transportation: $550.00
  Vehicle Insurance: $320.00
  Vehicle Payment: $485.00
  Water Sewer: $95.00
  Total monthly expenses: $13,960.00

## 7. DEPENDENTS
  - Priya Patel, age 16, Daughter
  - Rohan Patel, age 13, Son
  - Arjun Patel, age 9, Son
  - Kamala Patel, age 72, Mother (of Deepak)

## 8. MEANS TEST
  Household Size: 6
  CMI: $7,115.39/month ($85,384.68/year)
  State Median (IL, 6): $156,566.00/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

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: TESTAnita TESTPatel
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. [means_test] Estimated CMI $198,200 may exceed median $162,366 for household of 6 — means test analysis needed
   Field: means_test.cmi

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

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Total: 30 issue(s) requiring attention.