Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: Roshelle Ontwanette Sims
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            Roshelle Ontwanette Sims
  SSN:             ***-**-8057
  DOB:             1985-12-18
  Marital Status:  Single
  Filing Status:   None
  Address:         9518 Baldwin Dr
                   Machesney Park, IL 61115
  County:          Winnebago
  Phone:           8152629867
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Highland Community College
    Occupation:   Director of Student Support Services
    Duration:     None
    Pay Period:   None
    Gross/Period: $2,224.31
    Net/Period:   $1,556.05
    Deductions (12):
      Federal Tax: $0.00
      IL State Tax: $0.00
      Medicare: $0.00
      SURS Mandatory Retirement: $0.00
      457(b) Voluntary Retirement: $0.00
      Medical Insurance: $0.00
      Retiree Insurance: $0.00
      Vision: $0.00
      Dental: $0.00
      Life Insurance: $0.00
      Disability Insurance: $0.00
      Child Life Insurance: $0.00

  Employer 2: iLIFE
    Occupation:   Personal Care Worker
    Duration:     None
    Pay Period:   None
    Gross/Period: $1,459.33
    Net/Period:   $1,216.48
    Deductions (4):
      Federal Tax: $0.00
      FICA/Social Security: $0.00
      IL State Tax: $0.00
      Medicare: $0.00

## 3. ASSETS (Schedule A/B)
  1. [bank_account] Members Alliance CU Savings
     Value: $3,025.00  |  Owed: $0.00
  2. [bank_account] Members Alliance CU Checking
     Value: $535.19  |  Owed: $0.00
  3. [bank_account] Cash App (21roses3)
     Value: $0.00  |  Owed: $0.00
  4. [other] Security deposit held by landlord
     Value: $950.00  |  Owed: $0.00
  5. [retirement] SURS Pension (Highland CC)
     Value: $0.00  |  Owed: $0.00
  6. [retirement] 457(b) Voluntary Retirement
     Value: $0.00  |  Owed: $0.00
  7. [vehicle] 2023 Chevy Blazer
     Value: $0.00  |  Owed: $26,000.00
  8. [vehicle] 2023 Hyundai Santa Fe — TOTALED (deer strike)
     Value: $0.00  |  Owed: $33,000.00
  9. [vehicle] 2019 Nissan Rogue — REPOSSESSED
     Value: $0.00  |  Owed: $28,000.00
  10. [vehicle] 2017 Jeep Grand Cherokee — REPOSSESSED
     Value: $0.00  |  Owed: $24,000.00
  11. [household_goods] Furniture
     Value: $900.00  |  Owed: $0.00
  12. [other_personal] Sewing/crafting equipment
     Value: $1,500.00  |  Owed: $0.00
  13. [electronics] Electronics (4 TVs, 3 laptops, 4 tablets, 1 gaming system)
     Value: $700.00  |  Owed: $0.00
  14. [clothing] Shoes
     Value: $650.00  |  Owed: $0.00
  15. [jewelry] Smart watches
     Value: $500.00  |  Owed: $0.00
  16. [other_personal] Bags/purses
     Value: $250.00  |  Owed: $0.00
  17. [other_personal] Prescription glasses
     Value: $250.00  |  Owed: $0.00
  18. [jewelry] Costume jewelry
     Value: $200.00  |  Owed: $0.00
  19. [tools_of_trade] Lawn equipment (mower/snowblower)
     Value: $200.00  |  Owed: $0.00
  20. [clothing] Clothing
     Value: $1,000.00  |  Owed: $0.00
  Total asset value: $10,660.19

## 4. EXEMPTIONS (Schedule C)
  1. Members Alliance CU Savings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  2. Members Alliance CU Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. Cash App (21roses3): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  4. Security deposit held by landlord: $439.81 exempt
     Statute: 735 ILCS 5/12-1001(b)
  5. SURS Pension (Highland CC): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  6. 457(b) Voluntary Retirement: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  7. 2023 Chevy Blazer: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  8. 2023 Hyundai Santa Fe — TOTALED (deer strike): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  9. 2019 Nissan Rogue — REPOSSESSED: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  10. 2017 Jeep Grand Cherokee — REPOSSESSED: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  11. Furniture: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  12. Sewing/crafting equipment: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  13. Electronics (4 TVs, 3 laptops, 4 tablets, 1 gaming system): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  14. Shoes: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  15. Smart watches: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  16. Bags/purses: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  17. Prescription glasses: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  18. Costume jewelry: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  19. Lawn equipment (mower/snowblower): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(d)
  20. Clothing: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  Total exempt: $13,750.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (4):
    - Wells Fargo Auto: $26,000.00
    - Wells Fargo Auto: $33,000.00
    - Nissan Motor Acceptance: $28,000.00
    - Unknown Lender (Jeep): $24,000.00
  General Unsecured (3):
    - Student Loan Servicer (Unknown): $0.00
    - Affirm (multiple BNPL): $0.00
    - Afterpay: $0.00
  Total debt: $111,000.00

## 6. MONTHLY EXPENSES (Schedule J)
  Electricity: $345.00
  Entertainment: $100.00
  Food: $650.00
  Homeowner Insurance: $23.00
  Life Insurance: $11.00
  Medical Dental: $50.00
  Other: $1,762.00
  Personal Care: $150.00
  Phone: $438.00
  Rent Mortgage: $950.00
  Transportation: $630.00
  Vehicle Insurance: $176.00
  Vehicle Operating: $100.00
  Total monthly expenses: $5,385.00

## 7. DEPENDENTS
  - Keiland D Lumpkins Jr, age 4, child
  - Zeriyon Sims Brice, age 19, child
  - Jeanette Jones, age None, parent

## 8. MEANS TEST
  Household Size: 4
  CMI: $7,980.92/month ($95,771.04/year)
  State Median (IL, 4): $134,366.00/year
  RESULT: BELOW MEDIAN — No presumption of abuse

## 9. TRACK 2 PDFs
  Roshelle_Ontwanette_Sims_101.pdf
  Roshelle_Ontwanette_Sims_103a.pdf
  Roshelle_Ontwanette_Sims_106ab.pdf
  Roshelle_Ontwanette_Sims_106c.pdf
  Roshelle_Ontwanette_Sims_106d.pdf
  Roshelle_Ontwanette_Sims_106dec.pdf
  Roshelle_Ontwanette_Sims_106ef.pdf
  Roshelle_Ontwanette_Sims_106g.pdf
  Roshelle_Ontwanette_Sims_106h.pdf
  Roshelle_Ontwanette_Sims_106i.pdf
  Roshelle_Ontwanette_Sims_106j.pdf
  Roshelle_Ontwanette_Sims_106sum.pdf
  Roshelle_Ontwanette_Sims_107.pdf
  Roshelle_Ontwanette_Sims_122a1.pdf
  Roshelle_Ontwanette_Sims_122a1supp.pdf
  Roshelle_Ontwanette_Sims_122a2.pdf
  Roshelle_Ontwanette_Sims_122c1.pdf
  Roshelle_Ontwanette_Sims_122c2.pdf
  Roshelle_Ontwanette_Sims_2030.pdf
  Roshelle_Ontwanette_Sims_2830.pdf
  Roshelle_Ontwanette_Sims_packet.pdf

## 10. VALIDATION RESULTS
  Errors: 0  |  Warnings: 40
  WARNING: Secured creditor 'Wells Fargo Auto' missing collateral description
  WARNING: Secured creditor 'Wells Fargo Auto' missing collateral description
  WARNING: Secured creditor 'Nissan Motor Acceptance' missing collateral description
  WARNING: Secured creditor 'Unknown Lender (Jeep)' missing collateral description
  WARNING: No balance for creditor: Student Loan Servicer (Unknown)
  WARNING: No balance for creditor: Affirm (multiple BNPL)
  WARNING: No balance for creditor: Afterpay
  WARNING: Missing extraction source
  WARNING: No source documents listed in _meta
  WARNING: Unrecognized SOFA question key: 'q12_setoffs'
  ... and 30 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: Roshelle Sims
Generated: 2026-04-27
======================================================================

## WARNINGS (review and verify)

1. [creditors] Secured creditor 'Wells Fargo Auto' missing collateral description
   Field: creditors[0]

2. [creditors] Secured creditor 'Wells Fargo Auto' missing collateral description
   Field: creditors[1]

3. [creditors] Secured creditor 'Nissan Motor Acceptance' missing collateral description
   Field: creditors[2]

4. [creditors] Secured creditor 'Unknown Lender (Jeep)' missing collateral description
   Field: creditors[3]

5. [creditors] No balance for creditor: Student Loan Servicer (Unknown)
   Field: creditors[4]

6. [creditors] No balance for creditor: Affirm (multiple BNPL)
   Field: creditors[5]

7. [creditors] No balance for creditor: Afterpay
   Field: creditors[6]

8. [meta] Missing extraction source

9. [meta] No source documents listed in _meta

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

29. [assets] Vehicle has no value — KBB lookup needed: 2023 Chevy Blazer
   Field: assets[6]

30. [assets] Vehicle has no value — KBB lookup needed: 2023 Hyundai Santa Fe — TOTALED (deer strike)
   Field: assets[7]

31. [assets] Vehicle has no value — KBB lookup needed: 2019 Nissan Rogue — REPOSSESSED
   Field: assets[8]

32. [assets] Vehicle has no value — KBB lookup needed: 2017 Jeep Grand Cherokee — REPOSSESSED
   Field: assets[9]

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

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

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

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

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

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

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

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

41. [CREDIT REPORT] 3 creditors missing balances
   Creditors: Student Loan Servicer (Unknown), Affirm (multiple BNPL), Afterpay
   Action: Order credit report (CreditVista) or request statements from client.

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Total: 41 issue(s) requiring attention.