Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: Darian T Shelton
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            Darian T Shelton
  SSN:             ***-**-3002
  DOB:             1980-06-19
  Marital Status:  Single
  Filing Status:   Individual
  Address:         709 Lincoln Hwy, Apt #2
                   Rochelle, IL 61068
  County:          Ogle
  Phone:           (815) 570-1805
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Compass Group USA, Inc.
    Occupation:   Executive Chef
    Duration:     3 years 9 months
    Pay Period:   Bi-Weekly
    Gross/Period: $3,663.08
    Net/Period:   $1,997.51
    Deductions (22):
      Federal Withholding: $389.49
      IL State Withholding: $164.05
      Social Security: $214.56
      Medicare: $50.18
      401K EE Contribution: $146.52
      401K Loan Payment: $61.57
      Medical Insurance: $152.49
      Dental Insurance: $49.36
      Vision Insurance: $3.95
      Supplemental Life Insurance: $22.88
      Children Life Insurance: $0.54
      LTD Credit: $3.04
      LTD Insurance: $3.04
      AD&D Insurance: $5.31
      Meal Benefit: $24.00
      VolBnft-Accident Plan: $4.92
      Voluntary Programs: $76.41
      VolBnft-Critical Illness: $3.06
      VolBnft-Hosp Indem: $6.61
      VolBnft-Legal Plan: $5.31
      Garnish-Child Support: $284.36
      Garnish-Service Fee: $5.00

## 3. ASSETS (Schedule A/B)
  1. [vehicle] Ford Expedition, 89,100 miles (YEAR UNKNOWN)
     Value: $0.00  |  Owed: $57,000.00
  2. [bank_account] FNBO Free Checking ending 1352
     Value: $480.70  |  Owed: $0.00
  3. [bank_account] FNBO Free Checking ending 8483
     Value: $1,362.34  |  Owed: $0.00
  4. [bank_account] FNBO Account ending 4974 (likely savings)
     Value: $0.00  |  Owed: $0.00
  5. [bank_account] Cash App account
     Value: $0.00  |  Owed: $0.00
  6. [security_deposit] Security deposit for apartment at 709 Lincoln Hwy
     Value: $962.00  |  Owed: $0.00
  7. [household_goods] Couch, dining room table
     Value: $200.00  |  Owed: $0.00
  8. [clothing] Work uniforms and regular clothes
     Value: $300.00  |  Owed: $0.00
  9. [life_insurance_cash_value] Employer term life ($462K face). NO cash value.
     Value: $0.00  |  Owed: $0.00
  10. [retirement_401k] 401(k) through Compass Group (Fidelity)
     Value: $10,000.00  |  Owed: $0.00
  11. [investments] Acorns investment account
     Value: $100.00  |  Owed: $0.00
  12. [investments] Robinhood investment account
     Value: $50.00  |  Owed: $0.00
  13. [tax_refund] Anticipated 2025 tax refund (federal $184 + IL $147)
     Value: $331.00  |  Owed: $0.00
  14. [electronics] Cellphone, 2 televisions
     Value: $500.00  |  Owed: $0.00
  Total asset value: $14,286.04

## 4. EXEMPTIONS (Schedule C)
  1. Ford Expedition, 89,100 miles (YEAR UNKNOWN): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  2. FNBO Free Checking ending 1352: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. FNBO Free Checking ending 8483: $1,000.00 exempt
     Statute: 735 ILCS 5/12-1001(b)
  4. FNBO Account ending 4974 (likely savings): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  5. Cash App account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  6. Security deposit for apartment at 709 Lincoln Hwy: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  7. Couch, dining room table: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  8. Work uniforms and regular clothes: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  9. Employer term life ($462K face). NO cash value.: $0.00 exempt
     Statute: 
  10. 401(k) through Compass Group (Fidelity): FULLY EXEMPT
     Statute: 11 USC 522(b)(3)(C)
  11. Acorns investment account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  12. Robinhood investment account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  13. Anticipated 2025 tax refund (federal $184 + IL $147): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  14. Cellphone, 2 televisions: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  Total exempt: $17,523.70 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (2):
    - IH Mississippi Valley Credit Union: $56,767.00
    - Stellantis Financial Srvs: $756.00
  Priority Unsecured (1):
    - Internal Revenue Service: $3,576.00
  General Unsecured (15):
    - Mariner Finance: $8,183.00
    - Affirm: $1,777.76
    - OppLoans/cc Bank: $1,747.00
    - Capital One: $153.00
    - Credit One Bank: $617.00
    - Upstart/drb: $1,910.00
    - Dept of Ed/Aidvantage (MOHELA): $1,334.00
    - Dave: $0.00
    - Earnin: $0.00
    - Tilt (fka Empower): $0.00
    - Klover: $0.00
    - Cash App Lending: $0.00
    - Klarna: $100.00
    - Onemain Financial (SpringIf Fin): $12,656.00
    - The Bureaus Inc: $684.00
  Total debt: $90,260.76

## 6. MONTHLY EXPENSES (Schedule J)
  Birthdays/Holidays: $400.00
  Dependents Not At Home: $125.00
  Other Installment Payment #1: $200.00
  Other Installment Payment #2: $240.00
  Other Unspecified #1: $60.00
  Other Unspecified #2: $200.00
  Renter'S Insurance: $30.08
  Cable: $80.00
  Child Support: $570.00
  Clothing: $200.00
  Electricity: $140.00
  Food: $700.00
  Garbage: $30.00
  Gas Heat: $100.00
  Health Insurance: $220.00
  Internet: $120.00
  Laundry: $60.00
  Life Insurance: $16.00
  Medical Out Of Pocket: $200.00
  Personal Care: $250.00
  Phone: $160.00
  Recreation: $350.00
  Rent Mortgage: $765.00
  Transportation: $500.00
  Vehicle Insurance: $120.00
  Vehicle Payment: $1,197.00
  Total monthly expenses: $7,033.08

## 7. DEPENDENTS
  - Unknown, age 12, Son
  - Unknown, age 8, Daughter

## 8. MEANS TEST
  Household Size: 1
  CMI: $7,187.50/month ($86,250.00/year)
  State Median (IL, 1): $71,304.00/year
  RESULT: ABOVE MEDIAN — PASSES (disposable below threshold)

## 9. TRACK 2 PDFs
  Darian_T_Shelton_101.pdf
  Darian_T_Shelton_103a.pdf
  Darian_T_Shelton_106ab.pdf
  Darian_T_Shelton_106c.pdf
  Darian_T_Shelton_106d.pdf
  Darian_T_Shelton_106dec.pdf
  Darian_T_Shelton_106ef.pdf
  Darian_T_Shelton_106g.pdf
  Darian_T_Shelton_106h.pdf
  Darian_T_Shelton_106i.pdf
  Darian_T_Shelton_106j.pdf
  Darian_T_Shelton_106sum.pdf
  Darian_T_Shelton_107.pdf
  Darian_T_Shelton_108.pdf
  Darian_T_Shelton_121.pdf
  Darian_T_Shelton_122a1.pdf
  Darian_T_Shelton_122a1supp.pdf
  Darian_T_Shelton_122a2.pdf
  Darian_T_Shelton_2030.pdf
  Darian_T_Shelton_packet.pdf
  Darian_T_Shelton_packet_flat.pdf

## 10. VALIDATION RESULTS
  Errors: 0  |  Warnings: 19
  WARNING: No balance for creditor: Dave
  WARNING: No balance for creditor: Earnin
  WARNING: No balance for creditor: Tilt (fka Empower)
  WARNING: No balance for creditor: Klover
  WARNING: No balance for creditor: Cash App Lending
  WARNING: No source documents listed in _meta
  WARNING: Q16 attorney fees missing — should always have entry
  WARNING: Vehicle has no value — KBB lookup needed: Ford Expedition, 89,100 miles (YEAR UNKNOWN)
  WARNING: Vehicle description should include year, make, model: 'Ford Expedition, 89,100 miles (YEAR UNKNOWN)'
  WARNING: Tax creditor found: Internal Revenue Service — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
  ... and 9 more warnings

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

1. [creditors] No balance for creditor: Dave
   Field: creditors[9]

2. [creditors] No balance for creditor: Earnin
   Field: creditors[10]

3. [creditors] No balance for creditor: Tilt (fka Empower)
   Field: creditors[11]

4. [creditors] No balance for creditor: Klover
   Field: creditors[12]

5. [creditors] No balance for creditor: Cash App Lending
   Field: creditors[13]

6. [meta] No source documents listed in _meta

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

8. [assets] Vehicle has no value — KBB lookup needed: Ford Expedition, 89,100 miles (YEAR UNKNOWN)
   Field: assets[0]

9. [assets] Vehicle description should include year, make, model: 'Ford Expedition, 89,100 miles (YEAR UNKNOWN)'
   Field: assets[0]

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

11. [means_test] Estimated CMI $95,240 may exceed median $71,304 for household of 1 — means test analysis needed
   Field: means_test.cmi

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

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

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

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

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

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

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

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

20. [CREDIT REPORT] 5 creditors missing balances
   Creditors: Dave, Earnin, Tilt (fka Empower), Klover, Cash App Lending
   Action: Order credit report (CreditVista) or request statements from client.

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Total: 20 issue(s) requiring attention.