Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: TESTKeisha Monique TESTThompson
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            TESTKeisha Monique TESTThompson
  SSN:             ***-**-0007
  DOB:             1990-02-14
  Marital Status:  Single
  Filing Status:   Individual
  Address:         1923 Seminary St Apt 2
                   Rockford, IL 61104
  County:          Winnebago
  Phone:           8155550107
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Winnebago County Health Department
    Occupation:   Community Health Worker
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,461.54
    Net/Period:   $849.20
    Deductions (8):
      Federal Tax: $102.31
      IL State Tax: $72.45
      Social Security: $90.62
      Medicare: $21.19
      IMRF Pension: $65.77
      Health HMO (Family): $220.00
      Dental: $32.00
      Basic Life: $8.00

  Other Income:
    Child Support — Marcus Williams (Aaliyah's father): $400.00/month

## 3. ASSETS (Schedule A/B)
  1. [bank_account] PNC Checking
     Value: $380.00  |  Owed: $0.00
  2. [bank_account] PNC Savings
     Value: $125.00  |  Owed: $0.00
  3. [vehicle] 2017 Chevrolet Malibu LT, 89,000 mi
     Value: $8,500.00  |  Owed: $4,200.00
  4. [household_goods] Apartment furniture, TV, kitchen items
     Value: $800.00  |  Owed: $0.00
  5. [clothing] Personal clothing — debtor and 2 children
     Value: $350.00  |  Owed: $0.00
  6. [electronics] iPhone 13, tablet, kids' tablet
     Value: $350.00  |  Owed: $0.00
  7. [retirement_pension] IMRF Pension (Winnebago County)
     Value: $8,500.00  |  Owed: $0.00
  8. [tax_refund] Expected 2025 federal tax refund
     Value: $5,800.00  |  Owed: $0.00
  Total asset value: $24,805.00

## 4. EXEMPTIONS (Schedule C)
  1. PNC Checking: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  2. PNC Savings: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. 2017 Chevrolet Malibu LT, 89,000 mi: $3,600.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. Apartment furniture, TV, kitchen items: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  5. Personal clothing — debtor and 2 children: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  6. iPhone 13, tablet, kids' tablet: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. IMRF Pension (Winnebago County): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  8. Expected 2025 federal tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $19,905.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (1):
    - Ally Financial: $4,200.00
  General Unsecured (24):
    - Navient (Aidvantage): $22,000.00
    - Great Lakes (Nelnet): $15,500.00
    - SoFi (formerly Mohela serviced): $10,500.00
    - Capital One: $3,800.00
    - Discover Financial: $2,900.00
    - Credit One Bank: $1,800.00
    - Comenity Bank (Victoria's Secret): $650.00
    - Synchrony Bank (Old Navy/Gap): $480.00
    - Synchrony Bank (Amazon): $1,200.00
    - Affirm Inc.: $850.00
    - Afterpay (Block Inc.): $520.00
    - Klarna Bank AB: $480.00
    - QC Holdings (Quik Cash): $450.00
    - Planet Fitness (ABC Financial): $280.00
    - T-Mobile USA: $620.00
    - OSF HealthCare (St. Anthony): $1,800.00
    - Rockford Memorial Hospital: $950.00
    - Dr. Sarah Chen DDS: $340.00
    - Midland Credit Management: $1,650.00
    - Portfolio Recovery Associates: $2,100.00
    - LVNV Funding LLC: $890.00
    - Rent-A-Center: $380.00
    - Winnebago County (water bill): $220.00
    - Rockford Housing Authority: $750.00
  Total debt: $75,310.00

## 6. MONTHLY EXPENSES (Schedule J)
  Bnpl Payments: $150.00
  Cable Streaming: $30.00
  Charitable: $20.00
  Childcare: $380.00
  Clothing: $80.00
  Electricity: $110.00
  Entertainment: $25.00
  Food: $500.00
  Gas Heat: $80.00
  Internet: $50.00
  Medical Dental: $25.00
  Personal Care: $30.00
  Phone: $95.00
  Rent Mortgage: $850.00
  Renters Insurance: $18.00
  Total Monthly: $2,883.00
  Transportation: $250.00
  Vehicle Insurance: $135.00
  Water Sewer: $55.00
  Total monthly expenses: $5,766.00

## 7. DEPENDENTS
  - Aaliyah Thompson, age 7, Daughter
  - Jayden Thompson, age 4, Son

## 8. MEANS TEST
  Household Size: 3
  CMI: $3,366.67/month ($40,400.04/year)
  State Median (IL, 3): $110,712.00/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: 29
  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 19 more warnings

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Report generated by SpringerBK on 2026-04-27
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ISSUES REQUIRING ATTORNEY ATTENTION
Client: TESTKeisha TESTThompson
Generated: 2026-04-27
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## 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. [documents] Missing document: Government ID scan
   Field: _meta.source_documents.id_scan

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

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

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

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

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

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

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

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Total: 29 issue(s) requiring attention.