Case Report

======================================================================
BANKRUPTCY PETITION DRAFT REPORT
Client: Creal Yancy
Chapter: 7
Generated: 2026-04-27
Source: 
======================================================================

## 1. CLIENT DEMOGRAPHICS
  Name:            Creal Yancy
  SSN:             ***-**-3582
  DOB:             None
  Marital Status:  Single
  Filing Status:   Individual
  Address:         705 Trenton Ave
                   Rockford, IL 61102
  County:          Winnebago
  Phone:           8159140528
  Email:           [email protected]

## 2. EMPLOYMENT & INCOME
  Employer 1: W.W. Grainger, Inc.
    Occupation:   Customer Service
    Duration:     None
    Pay Period:   Bi-Weekly
    Gross/Period: $1,392.62
    Net/Period:   $1,077.59
    Deductions (12):
      Federal Tax: $100.19
      IL State Tax: $47.32
      Social Security (OASDI): $87.21
      Medicare: $20.39
      Medical - Aetna: $30.73
      Dental - Aetna: $9.60
      Vision - Aetna: $3.03
      Life Insurance (Shelter): $7.80
      401(k) Contribution: $7.47
      Short-Term Disability: $4.35
      Accident Insurance: $2.42
      Legal Plan: $13.47

  Other Income:
    Child Support: $332.80/month

## 3. ASSETS (Schedule A/B)
  1. [vehicle] 2013 Volkswagen
     Value: $3,500.00  |  Owed: $0.00
  2. [bank_account] Chase Checking Account ending #0168
     Value: $500.00  |  Owed: $0.00
  3. [bank_account] Chase Checking Account ending #4445 (joint with Albertain Yancy)
     Value: $200.00  |  Owed: $0.00
  4. [household_goods] Living room furniture
     Value: $500.00  |  Owed: $0.00
  5. [household_goods] Bedroom set
     Value: $200.00  |  Owed: $0.00
  6. [electronics] Computer
     Value: $150.00  |  Owed: $0.00
  7. [household_goods] Washer/Dryer
     Value: $300.00  |  Owed: $0.00
  8. [clothing] Clothing and accessories
     Value: $2,600.00  |  Owed: $0.00
  9. [firearms] Firearm
     Value: $300.00  |  Owed: $0.00
  10. [retirement_401k] 401(k) retirement account (Grainger)
     Value: $1,329.60  |  Owed: $0.00
  11. [tax_refund] Expected 2025 federal/state tax refund
     Value: $7,016.00  |  Owed: $0.00
  12. [bank_account] Navy Federal Checking Account
     Value: $0.00  |  Owed: $0.00
  13. [bank_account] Navy Federal Savings Account
     Value: $5.00  |  Owed: $0.00
  Total asset value: $16,600.60

## 4. EXEMPTIONS (Schedule C)
  1. 2013 Volkswagen: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(c)
  2. Chase Checking Account ending #0168: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  3. Chase Checking Account ending #4445 (joint with Albertain Yancy): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  4. Living room furniture: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  5. Bedroom set: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  6. Computer: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  7. Washer/Dryer: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  8. Clothing and accessories: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(a)
  9. Firearm: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  10. 401(k) retirement account (Grainger): FULLY EXEMPT
     Statute: 735 ILCS 5/12-1006
  11. Expected 2025 federal/state tax refund: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(g-7)
  12. Navy Federal Checking Account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  13. Navy Federal Savings Account: FULLY EXEMPT
     Statute: 735 ILCS 5/12-1001(b)
  Total exempt: $16,700.60 | Non-exempt: $0.00 | Coverage: 0.0%

## 5. CREDITORS (Schedules D/E/F)
  Priority Unsecured (1):
    - Internal Revenue Service: $5,502.33
  General Unsecured (15):
    - Capital One: $0.00
    - Mastercard (account ending xxx45): $0.00
    - Premier Bankcard: $0.00
    - Klarna: $0.00
    - Afterpay: $0.00
    - Affirm: $0.00
    - Zip (formerly QuadPay): $0.00
    - Traffic Fines/Tolls (Unknown Municipality): $0.00
    - Navy Federal Credit Union: $22,584.00
    - Navy Federal Credit Union: $20,263.00
    - Dept of Education / Nelnet: $5,997.00
    - Dept of Education / Nelnet: $3,386.00
    - Harvard Collection Services: $2,648.00
    - Harris & Harris Ltd: $672.00
    - Synchrony Bank / Sam's Club: $96.00
  Total debt: $61,148.33

## 6. MONTHLY EXPENSES (Schedule J)
  Irs Installment Agreement (2021 Taxes): $100.00
  Subscriptions (Streaming, Etc.): $42.00
  Clothing: $60.00
  Electricity: $147.00
  Food: $250.00
  Garbage: $88.00
  Gas Heat: $191.00
  Health Insurance: $65.73
  Internet: $14.95
  Laundry: $30.00
  Life Insurance: $16.00
  Personal Care: $80.00
  Phone: $100.00
  Recreation: $30.00
  Rent Mortgage: $850.00
  Transportation: $100.00
  Vehicle Insurance: $156.00
  Water Sewer: $35.00
  Total monthly expenses: $2,355.68

## 7. DEPENDENTS
  - Unknown, age 15, Daughter

## 8. MEANS TEST
  Household Size: 2
  CMI: $3,773.63/month ($45,283.56/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: 21
  WARNING: Missing date of birth
  WARNING: No balance for creditor: Capital One
  WARNING: No balance for creditor: Mastercard (account ending xxx45)
  WARNING: No balance for creditor: Premier Bankcard
  WARNING: No balance for creditor: Klarna
  WARNING: No balance for creditor: Afterpay
  WARNING: No balance for creditor: Affirm
  WARNING: No balance for creditor: Zip (formerly QuadPay)
  WARNING: No balance for creditor: Traffic Fines/Tolls (Unknown Municipality)
  WARNING: Missing extraction source
  ... and 11 more warnings

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

======================================================================
ISSUES REQUIRING ATTORNEY ATTENTION
Client: Creal Yancy
Generated: 2026-04-27
======================================================================

## WARNINGS (review and verify)

1. [client] Missing date of birth
   Field: client.dob

2. [creditors] No balance for creditor: Capital One
   Field: creditors[1]

3. [creditors] No balance for creditor: Mastercard (account ending xxx45)
   Field: creditors[2]

4. [creditors] No balance for creditor: Premier Bankcard
   Field: creditors[3]

5. [creditors] No balance for creditor: Klarna
   Field: creditors[4]

6. [creditors] No balance for creditor: Afterpay
   Field: creditors[5]

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

8. [creditors] No balance for creditor: Zip (formerly QuadPay)
   Field: creditors[7]

9. [creditors] No balance for creditor: Traffic Fines/Tolls (Unknown Municipality)
   Field: creditors[8]

10. [meta] Missing extraction source

11. [meta] No source documents listed in _meta

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

13. [creditors] Tax creditor found: Internal Revenue Service — verify 3-year rule, 2-year rule, 240-day rule for dischargeability
   Field: creditors[0]

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

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

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

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

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

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

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

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

22. [CREDIT REPORT] 8 creditors missing balances
   Creditors: Capital One, Mastercard (account ending xxx45), Premier Bankcard, Klarna, Afterpay, ... (+3 more)
   Action: Order credit report (CreditVista) or request statements from client.

----------------------------------------------------------------------
Total: 22 issue(s) requiring attention.