Case Report

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BANKRUPTCY PETITION DRAFT REPORT
Client: TESTMarcus Dwayne TESTWashington
Chapter: 7
Generated: 2026-04-27
Source: 
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## 1. CLIENT DEMOGRAPHICS
  Name:            TESTMarcus Dwayne TESTWashington
  SSN:             ***-**-0005
  DOB:             1985-06-22
  Marital Status:  Divorced
  Filing Status:   Individual
  Address:         2847 Mulberry Ave
                   Rockford, IL 61101
  County:          Winnebago
  Phone:           8155550105
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: Midwest Distribution Center
    Occupation:   Warehouse Associate
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,076.92
    Net/Period:   $727.76
    Deductions (6):
      Federal Tax: $86.15
      IL State Tax: $53.31
      Social Security: $66.77
      Medicare: $15.62
      Employer Health Plan: $95.00
      401(k) 3%: $32.31

  Employer 2: Self-Employed — Marcus W Handyman Services
    Occupation:   Handyman / General Contractor
    Duration:     None
    Pay Period:   Monthly
    Gross/Period: $2,800.00
    Net/Period:   $1,198.00
    Deductions (6):
      Self-Employment Tax (estimated quarterly): $427.00
      Materials & Supplies: $650.00
      Vehicle (60% business use): $280.00
      Tools & Equipment Depreciation: $120.00
      Liability Insurance: $85.00
      Advertising (Nextdoor, yard signs): $40.00

## 3. ASSETS (Schedule A/B)
  1. [bank_account] US Bank Checking — personal
     Value: $842.50  |  Owed: $0.00
  2. [bank_account] US Bank Business Checking — Marcus W Handyman Services
     Value: $1,650.00  |  Owed: $0.00
  3. [vehicle] 2016 Ford F-150 XLT, 98,000 mi
     Value: $16,500.00  |  Owed: $8,200.00
  4. [tools] Handyman business tools — DeWalt power tools, hand tools, ladders, wet/dry vac, paint sprayer
     Value: $3,500.00  |  Owed: $0.00
  5. [household_goods] Furniture, TV, kitchen appliances
     Value: $1,200.00  |  Owed: $0.00
  6. [clothing] Personal clothing — debtor and son
     Value: $400.00  |  Owed: $0.00
  7. [electronics] iPhone 14, iPad, laptop (used for business invoicing)
     Value: $650.00  |  Owed: $0.00
  8. [retirement_401k] Midwest Distribution 401(k)
     Value: $4,800.00  |  Owed: $0.00
  9. [tax_refund] Expected 2025 federal tax refund
     Value: $3,200.00  |  Owed: $0.00
  Total asset value: $32,742.50

## 4. EXEMPTIONS (Schedule C)
  1. US Bank Checking — personal: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  2. US Bank Business Checking — Marcus W Handyman Services: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. 2016 Ford F-150 XLT, 98,000 mi: $3,600.00 exempt
     Statute: 735 ILCS 5/12-1001(c)
  4. Handyman business tools — DeWalt power tools, hand tools, ladders, wet/dry vac, paint sprayer: $1,507.50 exempt
     Statute: 735 ILCS 5/12-1001(b)
  5. Furniture, TV, kitchen appliances: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  6. Personal clothing — debtor and son: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. iPhone 14, iPad, laptop (used for business invoicing): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  8. Midwest Distribution 401(k): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  9. Expected 2025 federal tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  Total exempt: $17,850.00 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Secured (1):
    - Capital One Auto Finance: $8,200.00
  Priority Unsecured (1):
    - Winnebago County (property tax): $0.00
  General Unsecured (6):
    - Home Depot Commercial Credit: $8,500.00
    - Discover Financial Services: $4,200.00
    - Chase Bank USA: $3,100.00
    - Synchrony Bank (Lowe's): $2,800.00
    - LVNV Funding LLC: $1,800.00
    - Midland Credit Management: $2,350.00
  Total debt: $30,950.00

## 6. MONTHLY EXPENSES (Schedule J)
  Cable Streaming: $25.00
  Charitable: $50.00
  Childcare: $200.00
  Clothing: $60.00
  Electricity: $120.00
  Entertainment: $40.00
  Food: $450.00
  Gas Heat: $85.00
  Internet: $60.00
  Laundry: $20.00
  Medical Dental: $40.00
  Personal Care: $30.00
  Phone: $110.00
  Rent Mortgage: $975.00
  Total Monthly: $2,825.00
  Transportation: $350.00
  Vehicle Insurance: $145.00
  Water Sewer: $65.00
  Total monthly expenses: $5,650.00

## 7. DEPENDENTS
  - Jaylen Washington, age 11, Son

## 8. MEANS TEST
  Household Size: 2
  CMI: $4,770.51/month ($57,246.08/year)
  State Median (IL, 2): $91,526.00/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: 32
  WARNING: No federal tax deduction for Self-Employed — Marcus W Handyman Services
  WARNING: No balance for creditor: Winnebago County (property tax)
  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'
  ... and 22 more warnings

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

1. [employment] No federal tax deduction for Self-Employed — Marcus W Handyman Services
   Field: employment[1]

2. [creditors] No balance for creditor: Winnebago County (property tax)
   Field: creditors[7]

3. [meta] Missing extraction source

4. [meta] No source documents listed in _meta

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

24. [creditors] Tax creditor found: Winnebago County (property tax) — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[7]

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

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

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

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

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

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

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

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

33. [CREDIT REPORT] 1 creditors missing balances
   Creditors: Winnebago County (property tax)
   Action: Order credit report (CreditVista) or request statements from client.

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Total: 33 issue(s) requiring attention.