Case Report

======================================================================
BANKRUPTCY PETITION DRAFT REPORT
Client: Alana Lee Shanley
Chapter: 7
Generated: 2026-04-27
Source: 
======================================================================

## 1. CLIENT DEMOGRAPHICS
  Name:            Alana Lee Shanley
  SSN:             ***-**-6842
  DOB:             1996-06-18
  Marital Status:  Single
  Filing Status:   Individual
  Address:         10483 Carol Ct Apt GW
                   Rosemont, IL 60018
  County:          Cook
  Phone:           2245652912
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Alexian Brothers Health System (Ascension)
    Occupation:   Call Center Rep - Cardiology North
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,586.00
    Net/Period:   $1,381.00
    Deductions (5):
      Federal Tax: $0.00
      State Tax (IL): $77.00
      Social Security + Medicare: $121.00
      Vision Insurance: $5.68
      LTD (Employee): $1.62

  Other Income:
    Child support from Christian Malave (informal, not court-ordered): $350.00/month
    LINK/SNAP benefits: $487.00/month

## 3. ASSETS (Schedule A/B)
  1. [bank_account] Navy Federal Credit Union - EveryDay Checking ending 7180
     Value: $0.27  |  Owed: $0.00
  2. [bank_account] Navy Federal Credit Union - Membership Savings ending 9803
     Value: $5.46  |  Owed: $0.00
  3. [bank_account] PenFed Credit Union - Regular Share Account ending 01-4 (Beneficiary: Aniyah Rose Malave)
     Value: $7.10  |  Owed: $0.00
  4. [bank_account] PenFed Credit Union - Premium Online Savings ending 01-6
     Value: $655.91  |  Owed: $0.00
  5. [bank_account] PenFed Credit Union - Access America Checking ending 02-0
     Value: $49.44  |  Owed: $0.00
  6. [bank_account] Cash App (Sutton Bank) - Cash Balance ending 4771
     Value: $15.00  |  Owed: $0.00
  7. [vehicle] 2019 Nissan Rogue SV
     Value: $4,295.00  |  Owed: $4,527.00
  8. [security_deposit] Security deposit — rental at 10483 Carol Ct Apt GW, Rosemont (Landlord: Virginia Delrahim)
     Value: $900.00  |  Owed: $0.00
  9. [household_goods] Laptop and couch
     Value: $100.00  |  Owed: $0.00
  10. [clothing] Clothing
     Value: $30.00  |  Owed: $0.00
  11. [electronics] Electronics (phone, computer)
     Value: $500.00  |  Owed: $0.00
  12. [tax_refund] 2025 federal tax refund
     Value: $6,041.00  |  Owed: $0.00
  Total asset value: $12,599.18

## 4. EXEMPTIONS (Schedule C)
  1. Navy Federal Credit Union - EveryDay Checking ending 7180: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  2. Navy Federal Credit Union - Membership Savings ending 9803: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  3. PenFed Credit Union - Regular Share Account ending 01-4 (Beneficiary: Aniyah Rose Malave): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  4. PenFed Credit Union - Premium Online Savings ending 01-6: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  5. PenFed Credit Union - Access America Checking ending 02-0: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  6. Cash App (Sutton Bank) - Cash Balance ending 4771: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  7. 2019 Nissan Rogue SV: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  8. Security deposit — rental at 10483 Carol Ct Apt GW, Rosemont (Landlord: Virginia Delrahim): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  9. Laptop and couch: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a) — Necessary Household Goods (100% exempt)
  10. Clothing: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a) — Necessary Wearing Apparel (100% exempt)
  11. Electronics (phone, computer): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b) — Personal Property Exemption
  12. 2025 federal tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7) — EIC/ACTC; 735 ILCS 5/12-1001(b) — Wildcard
  Total exempt: $11,904.18 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (1):
    - Capital One Auto Finance: $4,527.00
  Priority Unsecured (2):
    - Internal Revenue Service: $3,000.00
    - Illinois Department of Revenue: $0.00
  Unclassified (15):
    - Navy Federal Credit Union: $9,161.00 (type: nonpriority_unsecured)
    - Synchrony Bank/Care Credit: $5,674.00 (type: nonpriority_unsecured)
    - Navy Federal Credit Union: $5,540.00 (type: nonpriority_unsecured)
    - Navy Federal Credit Union: $2,990.00 (type: nonpriority_unsecured)
    - Bank of America: $2,026.00 (type: nonpriority_unsecured)
    - Bank of America: $1,959.00 (type: nonpriority_unsecured)
    - Petal Card 1/Webbank: $1,603.00 (type: nonpriority_unsecured)
    - Diverse Funding (DNF Associates): $1,381.00 (type: nonpriority_unsecured)
    - Midland Credit Management: $884.00 (type: nonpriority_unsecured)
    - Verizon Wireless: $811.00 (type: nonpriority_unsecured)
    - Citibank/CBNA: $752.00 (type: nonpriority_unsecured)
    - Capital One: $584.00 (type: nonpriority_unsecured)
    - The Bureaus Inc: $469.00 (type: nonpriority_unsecured)
    - Sunrise Credit Services: $169.00 (type: nonpriority_unsecured)
    - State Farm Insurance: $1,695.81 (type: nonpriority_unsecured)
  Total debt: $43,225.81

## 6. MONTHLY EXPENSES (Schedule J)
  Il Dept Of Revenue Tax Payment Plan: $45.00
  Microsoft 365: $11.00
  Cable: $19.00
  Childcare: $2.00
  Clothing: $50.00
  Education: $99.00
  Electricity: $80.00
  Food: $70.00
  Internet: $45.00
  Phone: $95.00
  Rent Mortgage: $1,250.00
  Transportation: $125.00
  Vehicle Insurance: $92.00
  Vehicle Payment: $310.50
  Total monthly expenses: $2,293.50

## 7. DEPENDENTS
  - Aniyah Rose Malave, age 10, child

## 8. MEANS TEST
  Household Size: 2
  CMI: $4,273.00/month ($51,276.00/year)
  State Median (IL, 2): $91,526.00/year
  RESULT: BELOW MEDIAN — No presumption of abuse

## 9. TRACK 2 PDFs
  Alana_Lee_Shanley_101.pdf
  Alana_Lee_Shanley_103a.pdf
  Alana_Lee_Shanley_106ab.pdf
  Alana_Lee_Shanley_106c.pdf
  Alana_Lee_Shanley_106d.pdf
  Alana_Lee_Shanley_106dec.pdf
  Alana_Lee_Shanley_106ef.pdf
  Alana_Lee_Shanley_106g.pdf
  Alana_Lee_Shanley_106h.pdf
  Alana_Lee_Shanley_106i.pdf
  Alana_Lee_Shanley_106j.pdf
  Alana_Lee_Shanley_106sum.pdf
  Alana_Lee_Shanley_107.pdf
  Alana_Lee_Shanley_108.pdf
  Alana_Lee_Shanley_121.pdf
  Alana_Lee_Shanley_122a1.pdf
  Alana_Lee_Shanley_122a1supp.pdf
  Alana_Lee_Shanley_122a2.pdf
  Alana_Lee_Shanley_2030.pdf
  Alana_Lee_Shanley_packet.pdf
  Alana_Lee_Shanley_packet_flat.pdf
  Alana_Lee_Shanley_packet_flat.tmp.pdf

## 10. VALIDATION RESULTS
  Errors: 0  |  Warnings: 49
  WARNING: No balance for creditor: Illinois Department of Revenue
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Synchrony Bank/Care Credit
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Bank of America
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Bank of America
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Petal Card 1/Webbank
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Diverse Funding (DNF Associates)
  WARNING: Unknown creditor type 'nonpriority_unsecured' for Midland Credit Management
  ... and 39 more warnings

======================================================================
Report generated by SpringerBK on 2026-04-27
======================================================================

======================================================================
ISSUES REQUIRING ATTORNEY ATTENTION
Client: Alana Shanley
Generated: 2026-04-27
======================================================================

## WARNINGS (review and verify)

1. [creditors] No balance for creditor: Illinois Department of Revenue
   Field: creditors[2]

2. [creditors] Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
   Field: creditors[3]

3. [creditors] Unknown creditor type 'nonpriority_unsecured' for Synchrony Bank/Care Credit
   Field: creditors[4]

4. [creditors] Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
   Field: creditors[5]

5. [creditors] Unknown creditor type 'nonpriority_unsecured' for Navy Federal Credit Union
   Field: creditors[6]

6. [creditors] Unknown creditor type 'nonpriority_unsecured' for Bank of America
   Field: creditors[7]

7. [creditors] Unknown creditor type 'nonpriority_unsecured' for Bank of America
   Field: creditors[8]

8. [creditors] Unknown creditor type 'nonpriority_unsecured' for Petal Card 1/Webbank
   Field: creditors[9]

9. [creditors] Unknown creditor type 'nonpriority_unsecured' for Diverse Funding (DNF Associates)
   Field: creditors[10]

10. [creditors] Unknown creditor type 'nonpriority_unsecured' for Midland Credit Management
   Field: creditors[11]

11. [creditors] Unknown creditor type 'nonpriority_unsecured' for Verizon Wireless
   Field: creditors[12]

12. [creditors] Unknown creditor type 'nonpriority_unsecured' for Citibank/CBNA
   Field: creditors[13]

13. [creditors] Unknown creditor type 'nonpriority_unsecured' for Capital One
   Field: creditors[14]

14. [creditors] Unknown creditor type 'nonpriority_unsecured' for The Bureaus Inc
   Field: creditors[15]

15. [creditors] Unknown creditor type 'nonpriority_unsecured' for Sunrise Credit Services
   Field: creditors[16]

16. [creditors] Unknown creditor type 'nonpriority_unsecured' for State Farm Insurance
   Field: creditors[17]

17. [meta] No source documents listed in _meta

18. [sofa] Unrecognized SOFA question key: 'q13_repossessions'
   Field: sofa.q13_repossessions

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

20. [sofa] Unrecognized SOFA question key: 'q10_lawsuits'
   Field: sofa.q10_lawsuits

21. [sofa] Unrecognized SOFA question key: 'q14_gifts_given'
   Field: sofa.q14_gifts_given

22. [sofa] Unrecognized SOFA question key: 'q19_safe_deposit'
   Field: sofa.q19_safe_deposit

23. [sofa] Unrecognized SOFA question key: 'q22_business_related'
   Field: sofa.q22_business_related

24. [sofa] Unrecognized SOFA question key: 'q20_property_held'
   Field: sofa.q20_property_held

25. [sofa] Unrecognized SOFA question key: 'q12_seizures'
   Field: sofa.q12_seizures

26. [sofa] Unrecognized SOFA question key: 'q4_income_sources'
   Field: sofa.q4_income_sources

27. [sofa] Unrecognized SOFA question key: 'q3_name_changes'
   Field: sofa.q3_name_changes

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

29. [sofa] Unrecognized SOFA question key: 'q2_prior_addresses'
   Field: sofa.q2_prior_addresses

30. [sofa] Unrecognized SOFA question key: 'q18_closed_accounts'
   Field: sofa.q18_closed_accounts

31. [sofa] Unrecognized SOFA question key: 'q17_transfers'
   Field: sofa.q17_transfers

32. [sofa] Unrecognized SOFA question key: 'q21_environmental'
   Field: sofa.q21_environmental

33. [sofa] Unrecognized SOFA question key: 'q9_payments_to_creditors'
   Field: sofa.q9_payments_to_creditors

34. [sofa] Unrecognized SOFA question key: 'q15_storage'
   Field: sofa.q15_storage

35. [sofa] Unrecognized SOFA question key: 'q11_garnishments'
   Field: sofa.q11_garnishments

36. [sofa] Unrecognized SOFA question key: 'q6_property_sold'
   Field: sofa.q6_property_sold

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

38. [sofa] Unrecognized SOFA question key: 'q5_self_employment'
   Field: sofa.q5_self_employment

39. [expenses] Food expense $70.00/month unusually low — verify against bank statements
   Field: expenses.food

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

41. [creditors] Tax creditor found: Illinois Department of Revenue — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[2]

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

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

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

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

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

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

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

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

50. [CREDIT REPORT] 1 creditors missing balances
   Creditors: Illinois Department of Revenue
   Action: Order credit report (CreditVista) or request statements from client.

----------------------------------------------------------------------
Total: 50 issue(s) requiring attention.