Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: Sandra Rodriguez
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            Sandra Rodriguez
  SSN:             ***-**-1665
  DOB:             None
  Marital Status:  Divorced
  Filing Status:   Individual
  Address:         2316 Sharon Ave
                   Rockford, IL 61103
  County:          Winnebago
  Phone:           (815) 988-2040
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Health Care Service Corp. (BCBSIL)
    Occupation:   Coordinator
    Duration:     None
    Pay Period:   biweekly
    Gross/Period: $2,929.79
    Net/Period:   $1,800.67
    Deductions (13):
      Federal Withholding: $194.03
      State Tax - IL: $128.27
      OASDI (Social Security): $166.10
      Medicare: $38.84
      Medical PreTax: $106.62
      Dental PreTax: $26.77
      Vision PreTax: $5.06
      401(k) PreTax: $87.84
      Flex Spend-Health Care: $57.69
      PTO Buy: $54.67
      401(k) Loan Repayment: $250.18
      Voluntary Life: $10.59
      Dependent Life Child: $0.69

  Other Income:
    Social Security (SSA): $315.00/month

## 3. ASSETS (Schedule A/B)
  1. [Cash and Financial Accounts] PNC Bank - Checking Account
     Value: $106.48  |  Owed: $0.00
  2. [Cash and Financial Accounts] Chime - Checking Account
     Value: $1.66  |  Owed: $0.00
  3. [Cash and Financial Accounts] Cash App - Account
     Value: $0.00  |  Owed: $0.00
  4. [Retirement/Pension] 401(k) - Health Care Service Corp.
     Value: $0.00  |  Owed: $0.00
  5. [Vehicles] 2015 GMC Terrain Denali
     Value: $8,000.00  |  Owed: $16,000.00
  6. [Vehicles] 2014 Ford Escape
     Value: $4,000.00  |  Owed: $4,000.00
  7. [Household Goods] Household furnishings, clothing, personal items
     Value: $2,000.00  |  Owed: $0.00
  Total asset value: $14,108.14

## 4. EXEMPTIONS (Schedule C)
  1. PNC Bank - Checking Account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  2. Chime - Checking Account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. Cash App - Account: $0.00 exempt
     Statute: 
  4. 401(k) - Health Care Service Corp.: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  5. 2015 GMC Terrain Denali: $0.00 exempt
     Statute: 
  6. 2014 Ford Escape: $0.00 exempt
     Statute: 
  7. Household furnishings, clothing, personal items: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  Total exempt: $2,108.14 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - Ally Financial: $16,000.00
    - Westlake Financial: $4,000.00
  General Unsecured (5):
    - Capital One: $5,000.00
    - Discover: $3,500.00
    - Credit One Bank: $2,500.00
    - Synchrony Bank: $3,000.00
    - OneMain Financial: $2,100.00
  Total debt: $36,100.00

## 6. MONTHLY EXPENSES (Schedule J)
  Clothing: $50.00
  Education: $109.00
  Electricity: $172.00
  Food: $400.00
  Gas Heat: $119.00
  Internet: $209.00
  Personal Care: $30.00
  Phone: $220.00
  Recreation: $57.00
  Rent Mortgage: $700.00
  Transportation: $200.00
  Vehicle Insurance: $150.00
  Vehicle Payment: $350.00
  Vehicle Payment 2: $200.00
  Total monthly expenses: $2,966.00

## 7. DEPENDENTS
  - Omar R Cardenas, age 15, Son
  - Aliana O Mora, age 14, Daughter

## 8. MEANS TEST
  Household Size: 3
  CMI: $6,347.88/month ($76,174.56/year)
  State Median (IL, 3): $110,712.00/year
  RESULT: BELOW MEDIAN — No presumption of abuse

## 9. TRACK 2 PDFs
  Sandra_Rodriguez_101.pdf
  Sandra_Rodriguez_103a.pdf
  Sandra_Rodriguez_106ab.pdf
  Sandra_Rodriguez_106c.pdf
  Sandra_Rodriguez_106d.pdf
  Sandra_Rodriguez_106dec.pdf
  Sandra_Rodriguez_106ef.pdf
  Sandra_Rodriguez_106g.pdf
  Sandra_Rodriguez_106h.pdf
  Sandra_Rodriguez_106i.pdf
  Sandra_Rodriguez_106j.pdf
  Sandra_Rodriguez_106sum.pdf
  Sandra_Rodriguez_107.pdf
  Sandra_Rodriguez_108.pdf
  Sandra_Rodriguez_121.pdf
  Sandra_Rodriguez_122a1.pdf
  Sandra_Rodriguez_122a1supp.pdf
  Sandra_Rodriguez_122a2.pdf
  Sandra_Rodriguez_122c1.pdf
  Sandra_Rodriguez_122c2.pdf
  Sandra_Rodriguez_2030.pdf
  Sandra_Rodriguez_2830.pdf
  Sandra_Rodriguez_packet.pdf
  Sandra_Rodriguez_packet_flat.pdf

## 10. VALIDATION RESULTS
  Errors: 0  |  Warnings: 13
  WARNING: Missing date of birth
  WARNING: Unusual pay period: biweekly
  WARNING: No federal tax deduction for Health Care Service Corp. (BCBSIL)
  WARNING: No bank accounts listed — most debtors have at least one
  WARNING: No SOFA section — needed for Form 107
  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)
  WARNING: Missing document: Credit counseling certificate
  ... and 3 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: Sandra Rodriguez
Generated: 2026-04-27
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## WARNINGS (review and verify)

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

2. [employment] Unusual pay period: biweekly
   Field: employment[0].pay_period

3. [employment] No federal tax deduction for Health Care Service Corp. (BCBSIL)
   Field: employment[0]

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

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

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

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

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

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

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

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

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

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

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Total: 13 issue(s) requiring attention.