For Bankruptcy Attorneys
Full technical coverage reference
Easy-Case automates the preparation of 30+ official bankruptcy forms with full statutory compliance across both chapters. This page details exactly what the system covers — form by form, statute by statute.
We are not a law firm. We do not provide legal advice, represent debtors, or make legal determinations. We prepare the paperwork that pro se filers have the legal right to file themselves.
32+
Official AO Forms
32
PDF Field Manifests
50+DC
State Exemption Sets
17
Interview Sections
670+
Interview Questions
79
Legal Validations
42+
Statutes Implemented
Form Inventory
Complete Form Coverage
Every form below is generated from a structured interview and populated via field-level manifests mapping interview answer keys to official AO form field names. December 2025 revision (AO 12/25), including April 2025 dollar-amount adjustments.
Petition & Identification
Ch. 7Ch. 13
B 101
Voluntary Petition for Individuals Filing for Bankruptcy
Fields: Name, address, SSN (last 4), county, venue, prior filings, chapter election
Chapter-specific conditional logic for checkboxes
B 101A
Initial Statement About an Eviction Judgment (Attachment A)
Conditional: renders only when applicable eviction scenario detected
B 101B
Statement Under Penalty of Perjury (Attachment B)
Pay evidence attachment; auto-populated from uploaded pay stubs
B 121
Statement About Your Social Security Numbers
Fields: All SSNs ever used, encrypted at rest (AES-256/KMS)
Filed under seal per FRBP 9037
B 2020
Notice Required by 11 U.S.C. § 342(b)
Military service disclosure; triggers § 707(b)(2)(D) means test exemption path
Schedules A/B through C — Assets & Exemptions
Ch. 7Ch. 13
B 106A/B
Schedule A/B: Property
Fields: 22-category asset checklist with conditional sub-questions per category
Real property, personal property, financial assets. Repeating node architecture for multiple properties per category.
B 106C
Schedule C: The Property You Claim as Exempt
Fields: Per-asset exemption statute citation, claimed amount, property value
State-specific exemption database (50 states + DC + federal § 522(d)). Interactive matching engine.
Schedules D through H — Creditors
Ch. 7Ch. 13
B 106D
Schedule D: Creditors Who Hold Claims Secured by Property
Fields: 13 fields per creditor: name, address, account, balance, collateral, value, date incurred, lien type, claim status, who owes, co-signer info
Repeating node architecture. Drives B 108 intention decisions and Ch.13 plan secured treatment.
B 106E/F
Schedule E/F: Creditors Who Have Unsecured Claims
Fields: Part E: priority unsecured (taxes, DSO, wages). Part F: general unsecured.
Priority classification logic per 11 U.S.C. § 507(a)
B 106G
Schedule G: Executory Contracts and Unexpired Leases
Ch.13: assume/reject election feeds plan treatment
B 106H
Schedule H: Your Codebtors
Fields: Co-debtor name, address, creditor reference, nature of debt
Schedules I & J — Income & Expenses
Ch. 7Ch. 13
B 106I
Schedule I: Your Income
Fields: Employment, self-employment, Social Security, unemployment, pensions, alimony, rental, other. Spouse income if applicable.
6-month CMI lookback per § 101(10A). OCR auto-fill from uploaded pay stubs.
B 106J
Schedule J: Your Expenses
Fields: Rent/mortgage, utilities, food, clothing, transportation, medical, childcare, insurance, taxes, charitable
Drives disposable income for Ch.13 plan feasibility
B 106J-2
Schedule J-2: Expenses for Separate Household
Conditional: non-filing spouse with separate household
B 106 Sum.
Summary of Schedules
Auto-generated rollup of all schedule totals
Chapter 7 Means Test
Ch. 7
B 122A-1
Statement of Your Current Monthly Income
Fields: CMI per § 101(10A), household size, state median comparison, Social Security exclusion
Military exemption § 707(b)(2)(D). Business debt exemption § 707(b)(1). Borderline flagging at 5% threshold.
B 122A-2
Means Test Calculation
Fields: IRS National & Local Standards, transportation, taxes, payroll, health insurance, childcare
Line-by-line deduction calculation. Abuse presumption threshold determination.
Chapter 13 Means Test
Ch. 13
B 122C-1
Current Monthly Income and Commitment Period
Fields: CMI, marital adjustment (Line 14), commitment period determination
Below-median: 36-month plan § 1325(b)(4)(A)(i). Above-median: 60-month § 1325(b)(4)(A)(ii).
B 122C-2
Calculation of Your Disposable Income
Fields: Same IRS deduction framework as 122A-2 with Ch.13-specific adjustments
Marital adjustment for non-filing spouse. Additional qualified retirement deductions.
Statement of Financial Affairs
Ch. 7Ch. 13
B 107
Statement of Financial Affairs for Individuals
Fields: 32 questions across 6 subsections: income (Q1-5), payments (Q6-8), legal actions (Q9-11), transfers (Q12-18), accounts (Q19-23), business (Q24-32)
Look-back: 2yr income, 90-day preferential, 1yr insider, 2yr transfers.
Statement of Intention (Ch.7)
Ch. 7
B 108
Statement of Intention for Individuals Filing Under Chapter 7
Fields: Per secured debt: retain/surrender, reaffirm/redeem/assume lease
30-day performance deadline per § 521(a)(2). Conditional rendering driven by Schedule D and G.
Reaffirmation Agreements
Ch. 7
B 2400A
Reaffirmation Agreement Cover Sheet
Fields: Creditor, collateral description, original balance, current balance, monthly payment, interest rate
Auto-populated from Schedule D and reaffirmation election. Filed within 60 days post-341 meeting.
B 2400B
Reaffirmation Agreement
Fields: Full agreement terms, undue hardship determination, Part D pro se explanation
Three-tier hardship check: normal (≤80% disposable), near-triggered (>80%), triggered (>disposable). Part D explanation required when hardship triggered.
Chapter 13 Plan
Ch. 13
B 113
Chapter 13 Plan
Fields: Plan term, monthly payment, trustee %, secured treatment (cure/maintain/cramdown/surrender), priority treatment, unsecured %
Pre-populated by calculation engine. 910-day rule § 1325(a)(*). Best-interest test. Feasibility validation.
Administrative & Fee Forms
Ch. 7Ch. 13
B 103A
Application to Pay Filing Fee in Installments
Conditional: offered when income indicates qualification
B 103B
Application for Waiver of Chapter 7 Filing Fee
Ch.7 only. Income-based qualification.
B 119
Bankruptcy Petition Preparer’s Notice, Declaration, and Signature
Auto-generated with platform details
B 106Dec
Declaration Under Penalty of Perjury
Always generated in signature packet
B 2030
Disclosure of Compensation of Petition Preparer
Auto-populated: Easy-Case, platform fee
Calculation Engine
Means Test Coverage
Implements Forms 122A (Ch.7) and 122C (Ch.13) with all IRS standard deductions, military and business debt exemptions, and commitment period determination. Every calculation produces a traceable explanation.
| Component | Description | Data Source |
|---|---|---|
| Part 1 — CMI | Current Monthly Income per § 101(10A) — 6-month lookback, all sources | Census Bureau ACS median income tables |
| Social Security | Benefits excluded from CMI per § 101(10A)(B) | Statutory exclusion — automatic |
| HAVEN Act | VA disability, combat pay, death benefits, catastrophic injury pay excluded from CMI | HAVEN Act — § 101(10A)(B)(ii) |
| Military Exemption | Disabled veterans and reservists/Guard >540 days | § 707(b)(2)(D)(i)-(ii) |
| Business Debt | Non-consumer debts >50% — exempt from means test entirely | § 707(b)(1) |
| National Standards | Food, clothing, personal care, misc. by household size | IRS Collection Financial Standards |
| Local — Housing | Mortgage/rent + utilities by county and household size | IRS Local Standards by MSA |
| Local — Transport | Vehicle ownership (gated on >25 months remaining) + operating costs by region | IRS Local Standards |
| Mandatory Payroll | SS, Medicare, state/local tax withholding | Actual from pay stubs (OCR or manual) |
| Secured Debt | Monthly payments (average of 60-month payoff) | Calculated from Schedule D |
| Priority Claims | Priority unsecured debts divided by 60 | Calculated from Schedule E |
| Seasonal Income | CV-based variance detection (>0.5 threshold) with adjustment follow-up | 6-month income data + direct question |
| Disposable Income | CMI minus total deductions — abuse presumption threshold | Compared to §707 thresholds |
| Ch.13 Commitment | 36-month (below median) vs. 60-month (above median) plan length | § 1325(b)(4)(A) |
Exemption Database
State-Specific Exemptions
All 50 states + DC + federal alternative \u00a7 522(d). Per-asset citation picker with cap tracking, wildcard redistribution, regime comparison with dollar-difference winner callout, and exportable Citations Report PDF.
| Category | Coverage | Notes |
|---|---|---|
| Homestead | All 50 + DC | State-specific limits; federal § 522(d)(1) alternative. Per-asset citation picker with cap tracking. |
| Motor Vehicle | All 50 + DC | Per-vehicle limits; wildcard auto-allocation with redistribution on override |
| Personal Property | All 50 + DC | Category sub-limits in many states. Budget panel tracks remaining capacity per category. |
| Retirement (ERISA) | All 50 + DC | Generally unlimited; IRA cap ~$1.5M adjusted. Displayed as unlimited in budget panel. |
| Tools of Trade | All 50 + DC | State-specific limits with remaining cap display |
| Wildcard | ~35 states + federal | § 522(d)(5) auto-allocated across under-protected assets; filer can redistribute |
| Wages | All 50 + DC | Percentage or dollar limits vary |
| Public Benefits | All 50 + DC | SS, unemployment, disability, VA — generally fully exempt |
| Life Insurance | All 50 + DC | Limits vary significantly by state |
| Federal Alternative | ~19 states | Complete § 522(d) set; regime comparison with clear winner callout and dollar difference |
AI & Automation
AI & Automation Platform
Two interview modes, bidirectional data sync, intelligent document processing, and native mobile support. All AI operations use Claude Haiku with cost-optimized inference patterns.
Autopilot Mode
Conversational AI interview powered by Claude Haiku that guides filers through 17 sections in plain English.
Plain-English guidance through 17 interview sections
Field extraction every 5th message, UPL check every 3rd
20-message sliding window for cost optimization
System prompt ~4k tokens with Anthropic ephemeral cache control
Section briefs injected only for current section
Collected answers block prevents re-asking
Self-Guided Mode
Direct form-by-form entry for experienced filers or attorneys reviewing client work.
17 official bankruptcy forms with field-by-field entry
Direct form access for experienced filers or attorneys reviewing work
Full field definitions — no DEFAULT_FIELDS fallback
Mode Sync
Bidirectional sync ensures data entered in either mode is available in the other.
FIELD_SYNC_MAP: 96 codegen entries mapping guided → self-guided answer keys
Transforms: addressDecompose, incomeDiv6, nameSplit
Manual overrides for B108/B2020
Document Intelligence
End-to-end document processing with deduplication, OCR, AI extraction, and confidence scoring.
SHA-256 content hashing for client-side and server-side dedup
Within-batch dedup via seenHashes Map
Cross-batch dedup via checkContentHash DB lookup
AWS Textract OCR + Claude Haiku extraction
PII redacted before any AI API call
Confidence scoring per field with quality gates
Mobile Support
Native mobile app with offline persistence, document scanning, and identity verification.
Expo SDK 55 + React Native mobile app
MMKV for offline answer persistence
Document scanner with quality gate
Stripe Identity for IDV
Push notifications via Expo Push Service
OCR & Extraction
Document Pipeline
AWS Textract OCR + Claude Haiku AI extraction. PII redacted before API calls. Confidence scoring per field with quality gates. 60-day pay stub coverage validation with per-source gap detection. Income-type-aware document requirements for W-2, gig, and seasonal workers.
Pay Stubs
Extracted Fields
employer_name, gross_pay, net_pay, pay_period_start, pay_period_end, pay_date, pay_frequency, withholdings, YTD gross
Populates
Schedule I, Means Test 122A-1/C-1, Attachment B, 60-day coverage validation
Bank Statements
Extracted Fields
institution_name, ending_balance, beginning_balance, total_deposits, total_withdrawals, statement_period
Populates
Schedule A/B, SOFA Q19-23
Tax Returns
Extracted Fields
filing_status, household_size, AGI, tax_owed, refund_amount
Populates
Schedule I, Means Test, SOFA Q1-5
Mortgage Statements
Extracted Fields
property_address, lender_name, loan_balance, monthly_payment, rate, term
Populates
Schedule A/B, Schedule D, Attachment A, Ch.13 Plan
W-2s
Extracted Fields
employer_name, employer_EIN, wages, federal_withheld, state_withheld, SS_wages, Medicare_wages
Populates
Schedule I, Means Test, SOFA Q1-5, 60-day coverage
Credit Reports
Extracted Fields
creditor_name, account_type, balance, monthly_payment, status, date_opened
Populates
Schedule D, Schedule E/F, creditor matrix auto-population
Vehicle Titles
Extracted Fields
make, model, year, VIN, title_holder, lien_holder
Populates
Schedule A/B, Schedule D, exemption citations
Utility Bills
Extracted Fields
provider_name, service_type, monthly_amount, account_number
Populates
Schedule J (monthly expenses), creditor matrix
Compliance
Statutory Implementation Reference
Bankruptcy Code sections and Federal Rules implemented in validation, calculation, and form generation.
| Statute / Rule | Implementation |
|---|---|
| § 101(10A) | Current Monthly Income — 6-month lookback, all sources except Social Security |
| § 521(a)(1) | Filing requirements — creditor lists, asset/liability schedules, SOFA |
| § 521(a)(2) | Statement of Intention — 30-day performance deadline |
| § 521(i)(1) | 45-day auto-dismissal deadline — triple-channel notifications |
| § 522 | Exemptions — state election, federal alternative, domicile requirements |
| § 522(b)(3)(A) | 730-day domicile rule — residency history, applicable state determination |
| § 522(d) | Federal exemption schedule — available when state permits |
| § 522(o)(p)(q) | Homestead cap variants — 10yr fraudulent conveyance, 1215-day acquisition, felony cap |
| § 541(a)(2) | Community property disclosure — conditional for 9 community property states |
| § 707(b) | Chapter 7 means test and abuse determination |
| § 707(b)(1) | Non-consumer debt exception — >50% bypasses means test |
| § 707(b)(2)(D) | Military exemption — disabled veterans, qualifying reservists/Guard |
| § 1302(d) | DSO notification — holder AND state enforcement agency required |
| § 1322 | Chapter 13 plan content requirements |
| § 1325(a) | Plan confirmation — good faith, best interests, feasibility |
| § 1325(a)(*) | 910-day vehicle cramdown (hanging paragraph) — date check, comparison display |
| § 1325(b) | Disposable income test — projected DMI for plan payments |
| § 1325(b)(4) | Applicable commitment period — 36 vs. 60 months |
| § 1326(a)(1) | Adequate protection payments — per-creditor breakdown, district-dependent routing |
| § 362(c)(3)-(4) | Serial filer automatic stay limitations — 2nd case (30-day) vs. 3rd+ (none) |
| § 362(l) | Eviction judgment — Forms 101A/101B conditional generation |
| Hamilton v. Lanning | Projected disposable income — structured change scenarios, side-by-side comparison |
| FRBP 1007 | Lists, schedules, statements required with petition |
| FRBP 9037 | Privacy — SSN redaction, sealed filing |
| Till v. SCS Credit | Cramdown interest rate — prime-plus method for secured debt in Ch.13 plans |
| § 1301 | Co-debtor stay — intake and notice for consumer debts with co-signers |
| § 109(h) | Credit counseling requirement — certificate gate + exigent circumstance exception path |
| § 109(h)(3) | Exigent circumstances exception — 3-field statutory questionnaire, 8-day deferral |
| § 521(e)(2) | Tax return production requirement — 4-year filing history check |
| § 1308 | Ch.13 mandatory tax filing — hard gate on petition generation for missing returns |
| HAVEN Act | VA disability and combat pay excluded from means test CMI — 5 sub-categories |
| § 521(a)(1)(B)(iv) | 60-day pay stub requirement — per-source timeline validation with gap detection and acknowledgment |
| 28 U.S.C. § 1408 | Venue validation — ZIP-to-district resolution with multi-district disambiguation |
| § 502 | Proof of claim review — pre-populated from creditor matrix, auto-detected balance discrepancies |
| § 506 | Secured claim analysis — valuation guidance per asset type, cramdown eligibility |
| § 727(a)(12) | Debtor education requirement — certificate tracking, deadline countdown, discharge gate |
| § 1329 | Plan modification — post-confirmation basics, changed circumstances guidance |
| § 524(c) | Reaffirmation agreements — B2400A/B generation, three-tier hardship check, 60-day post-341 deadline tracking |
| § 722 | Redemption of tangible personal property — lump-sum FMV payment option, checklist generation |
| § 506(d) | Lien stripping — wholly unsecured junior lien detection, Ch.13 plan reclassification to unsecured pool |
| § 522(d)(11) | Personal injury exemption — pending lawsuit value partially exempt up to $27,900 federal cap |
| FRBP 4008 | Reaffirmation deadline — 60 days post-341 meeting, per-creditor status tracking, extension support |
Filing Correctness
79 Legal Correctness Validations
Beyond form generation \u2014 edge cases and statutory requirements that distinguish a dismissal-prone filing from a court-ready one. This is where most document preparation services stop.
Tier 1 — Filing-Critical33 items — prevents dismissal, satisfies disclosure obligations
| # | Requirement | Statute | Implementation |
|---|---|---|---|
| 1 | Form 106Dec — Declaration Under Penalty of Perjury | 28 U.S.C. § 1746 | Always generated as part of signature packet |
| 2 | Form 2030 + Form 119 — BPP Disclosure | § 110 | Auto-generated with platform details (platform fee) |
| 3 | Prior Discharge/Dismissal Filing Bar | § 727(a)(8)-(9), § 1328(f) | Hard gate with date math. Computed eligible date shown. |
| 4 | Form 122A-1Supp — Abuse Presumption Exemption | § 707(b)(2)(D) | Conditional for disabled veterans, reservists, non-consumer majority |
| 5 | Lanning Projected Disposable Income | Hamilton v. Lanning | Above-median Ch.13. Structured scenarios. Side-by-side comparison. |
| 6 | Exemption Cap Validation | § 522(d), state statutes | Warn on cap exceeded. Dual-path: reduce OR justify with written explanation. |
| 7 | 730-Day Domicile Rule | § 522(b)(3)(A) | Residency collection, state determination, federal fallback. |
| 8 | Continuation/Overflow Sheets | Form Instructions | Auto-pagination when creditors exceed slots. |
| 9 | Eviction Judgment (101A/101B) | § 362(l) | Conditional on eviction answer. 30-day follow-up for 101B. |
| 10 | Community Property Disclosure | § 541(a)(2) | Conditional in 9 community property states. |
| 11 | DSO Notification | § 1302(d), FRBP 1007(b)(4) | Both DSO holder AND state agency. Auto-populated addresses. |
| 12 | Creditor Matrix — District-Specific | Local rules | Per-district formatting config. Validated pre-generation. |
| 13 | Adequate Protection Payments | § 361, § 1326(a)(1) | Per-creditor breakdown. District routing. Printable PDF. Reminders at 7/3/1 days. |
| 14 | Non-Filing Spouse Income Verification | 122C-2 Line 14 | Verified path: spousal income → Schedule I Line 8c AND means test. |
| 15 | Pension/Retirement Loan Repayments | 122A-2 L47, 122C-2 L36 | Captured in means test deductions. |
| 16 | 910-Day Vehicle Cramdown Rule | § 1325(a)(*) | Original purchase date check. Full-balance vs. cramdown display. Surrender option. |
| 17 | Serial Filer Stay Limitations | § 362(c)(3)-(4) | Two-tier: screener + SOFA. 2nd case vs. 3rd+. Attorney referral for motion. |
| 18 | 60-Day Pay Stub Coverage Validation | § 521(a)(1)(B)(iv) | Per-source timeline. Gap detection for W-2, gig, and seasonal income. Acknowledged gaps feed filing notes. |
| 19 | Venue Validation & ZIP Disambiguation | 28 U.S.C. § 1408 | ZIP-to-district resolution with multi-district disambiguation. Hard gate on mismatch. |
| 20 | Exemption Citation Picker | § 522(b)-(d) | Per-asset citation selection with cap tracking, wildcard redistribution, regime comparison, and exportable Citations Report PDF. |
| 21 | Payment Default Tracking (Ch.13) | § 1326(a)(1) | Schedule generation from plan data. 21-day dismissal threshold escalation (Day 7/14/19). Adequate protection line items per district. |
| 22 | Proof-of-Claim Response Scaffolding | § 502, § 506 | Pre-populated from creditor matrix. Auto-detection of balance discrepancy >10%. Structured objection checklist PDF with statute references. |
| 23 | Pre-Flight Validation Gate System | Multiple | Dedicated checklist page + modal catch-all at generate. 6 hard-block rules + tiered warnings. Re-validates every generate click. |
| 24 | Debtor Education Certificate Tracking | § 727(a)(12), § 1328(g) | Manual entry + upload. Post-filing date validation. Deadline countdown with triple-channel notifications. |
| 25 | Fee Waiver / Installment Choice Gate | § 1930 | Hard gate forcing explicit 103A/103B election based on income qualification before petition generation. |
| 26 | Bank Statement Validation Gate | § 521(a)(1) | Hard gate requiring at least one bank statement uploaded or 'no accounts' acknowledgment. |
| 27 | Creditor Duplicate Detection & Quality | FRBP 1007 | Normalized name + address matching. One-click merge suggestions. Address format validation. Common-debt-category completeness checklist. |
| 28 | Cross-Schedule Exemption/Asset Matching | § 522 | Hard block on exemption claimed for unlisted asset. Ch.13 plan feasibility check. Un-treated creditor detection. |
| 29 | Pending Lawsuit / Contingent Claim Screening | SOFA Part 4, Sched. A/B | Dual-sync to both SOFA Part 4 and Schedule A/B from single source. Trustee intervention risk education. Personal injury exemption guidance (§ 522(d)(11)). |
| 30 | Reaffirmation Agreement Generation | § 524(c), FRBP 4008 | Three-way election (reaffirm/redeem/surrender). Three-tier undue hardship check. B2400A/B auto-generation. Part D pro se explanation when hardship triggered. B108 auto-populated from elections. |
| 31 | Reaffirmation Deadline Tracking | FRBP 4008 | 60-day post-341 deadline per creditor. Status tracking (not started/requested/received/signed/filed). Rule 4008 extension support. Dashboard card. |
| 32 | Lien Strip Eligibility Analysis (Ch.13) | § 506(d) | Wholly unsecured junior lien detection. Three-layer visual comparison card. Thin-margin fallback. Stripped debt reclassified to unsecured pool in plan calculator. |
| 33 | Lien Strip Motion Generation (Ch.13) | § 506(d), Local Rules | Three-tier district fallback ladder: district-specific draft → generic draft → checklist + collected facts. Motion vs. adversary proceeding routing per district. |
Tier 2 — Edge Cases & Completeness46 items — rare circumstances, district-specific, lifecycle tools, data quality
| Category | Items | Detail |
|---|---|---|
| Exemption Cap Variants | §522(o) 10-year fraudulent conveyance lookback §522(p) 1,215-day homestead acquisition cap §522(q) felony/securities fraud/willful tort cap | Homestead date inline with property. Fraud/felony in SOFA. Dual-path resolution. |
| HAVEN Act & VA Benefits | HAVEN Act VA disability income exclusion SS / VA means test qualification gate | Asked early in interview. Qualifying filers skip means test UI entirely. |
| Tax & Compliance Gates | 4-year tax return filing requirement 45-day auto-dismissal deadline §521(i)(1) | Tax: hard gate on petition generation. 45-day: email at 30/37/42 days + in-app + dashboard banner. |
| Seasonal & Variable Income | Seasonal income detection/adjustment 6-month data variance inference (CV > 0.5) | Direct question + backend inference. High variance triggers adjustment follow-up. |
| Co-Debtor Completeness | Per-debt co-debtor identification Consolidated review Ch.13 co-debtor stay notices | Two-pass: per-debt + consolidated. Feeds Schedule H and co-debtor stay notices. |
| District-Specific Forms | Local Ch.13 plan forms Pro se declarations Creditor matrix formatting Ungenerable local form tracking | Top 15 filing-volume states with full Tier 2 coverage. All 94 districts have baseline rules. Local forms tracked with court URL links and upload slots. |
| Trustee Objection Guidance | Inline interview warning cards Consolidated review red flags Two-tier urgency system | Low-risk: amber, 'could be flagged'. High-risk: stronger language, required acknowledgment. |
| Post-Filing Lifecycle Tools | Plan modification basics (§1329) Tax refund treatment (district-aware) 'After You File' hub Payment default tracker with 21-day escalation Proof-of-claim response scaffolding Objection checklist PDF generation Debtor education deadline tracking with certificate upload Post-filing checklist dashboard | District-aware guidance. Payment tracker with §1326(a)(1) dismissal countdown. Claim tracker pre-populated from creditor matrix with auto-detected discrepancies and structured objection categories. Debtor education tracking with chapter-aware deadlines and escalating notifications. |
| Additional Conditional Forms | B2830 — Ch.13 discharge Schedule J-2 — separate household Credit counseling exigent exception | Conditional generation. Exigent exception with 8-day deferral per § 109(h)(3). |
| Cramdown Interest Rates | Till v. SCS prime-plus method for secured debt IRS rate table lookup for district-specific rates | Ch.13 plan applies variable interest rates to crammed-down secured debts. National prime rate + risk adjustment. |
| Government Notice Addresses | IRS Centralized Insolvency Operation per-state addresses State department of revenue addresses Forgotten creditor category prompts | Creditor matrix includes government unit notice addresses. Per-state IRS and DOR addresses auto-populated. |
| Pre-Filing Event Capture | Garnishment tracking with release dates Repossession history in SOFA look-back Foreclosure proceedings documentation | Dedicated SOFA fields beyond generic 'lawsuits' bucket. Captures statutory look-back periods. |
| Multi-Chapter Households | One spouse Ch.7, other Ch.13 coordination Shared expense reconciliation across cases | Coordinated workflow for households filing different chapters. Expense allocation between cases. |
| Special Exemptions | Wrongful death awards § 522(d)(11)(D) Workers' compensation exemptions Public benefit exemptions with state-specific citations | Explicit questions and exemption citations for special-circumstance categories beyond standard property types. |
| Mixed-Use Homestead | Split valuation for mixed-use properties Mobile home homestead classification | Handles residential/commercial split and mobile home as real vs. personal property per state law. |
| Entity-Level Assets | LLC/partnership ownership percentage and capital accounts Entity valuation method documentation | Schedule A/B captures entity-level detail for business interests beyond single gross value. |
| Digital Asset Tracking | Cryptocurrency wallet and exchange balances Stock options, RSUs, and vesting schedules | Schedule A/B asset categories for digital and equity compensation assets with current valuation. |
| Interpreter & Language Support | Interpreter name, language, and relationship to debtor Court documentation for language accommodation | Fields for debtors requiring interpreter services at 341 meetings and court proceedings. |
| Limited Scope Representation | Attorney-assisted section disclosure District-specific conditional forms (e.g., CDCA 1040-2-4) | Conditional workflow when attorney assisted with portions. Config-driven per-district form requirements. |
| Graduated Payment Plans | Step/increasing payment structures for Ch.13 Seasonal payment adjustments per § 1325(b) | Non-standard Ch.13 plan payment structures for seasonal workers or anticipated income changes. |
| Post-Filing Event Monitoring | Automatic stay breach alert tracking Garnishment release verification Repossession/foreclosure motion awareness | Post-filing dashboard monitors for automatic stay violations and creditor compliance. |
| Document Completeness | Conditional document requirements (DRP, tax returns, non-wage income) 4-year tax return checklist (Ch.13) Gig/self-employed income documentation mode | Income-type-aware document requirements. Accepts bank statements, 1099s, and app screenshots for gig workers. §109(h) DRP detection. |
| Data Quality Validation | Asset valuation guidance per category Debt balance freshness checking (30-day threshold) Pay stub date gap acknowledgment | Per-asset-type valuation help (KBB for vehicles, Zillow for real estate, replacement cost for household goods). Stale balance warnings with refresh prompts. |
| Exemption Analysis Tools | Citation picker with side-by-side comparison Exemption budget panel with cap tracking Regime comparison with dollar-difference winner Wildcard redistribution on override Exportable Citations Report PDF (dual-format) | Interactive exemption selection extending suggestExemptions() engine. At-risk assets flagged with actionable suggestions. Draft watermark until full review complete. |
| District Rules Verification | Rule staleness tracking (lastVerified + sourceUrl) Admin dashboard with filing-volume prioritization Baseline coverage for all 94 districts | Color-coded staleness indicators. Monthly digest for rules >6 months old. Top 15 states have full Tier 2 research. |
| Redemption Election (§ 722) | Lump-sum FMV payment option for tangible personal property Redemption checklist with educational guidance Redemption vs. reaffirmation comparison card | Available for tangible personal property (vehicles, appliances). Checklist explains lump-sum payment process and court motion requirements. |
| Lien Strip Analysis (Ch.13) | Wholly unsecured junior lien detection with three-layer visual Before/after plan payment comparison card District-specific motion vs. adversary proceeding routing Post-confirmation education (lien not released until discharge) | LienStripComparisonCard: headline + stacked bar + eligibility. Thin-margin fallback when values are close. Stripped balance moves to unsecured pool (not deficiency). District fallback ladder for motion generation. |
| Documents-First Workflow | Batch upload landing screen with document checklist Parallel extraction orchestration Pre-fill engine maps extractions to interview answers before interview starts Confirmation nodes with extracted value display and source badges | Premium-tier upload-first flow. All documents extracted in parallel. Interview answers pre-populated from confirmed extractions. Reduces manual entry significantly. |
| Post-Extraction Intelligence | Hero field surfacing per document type (1-2 key fields) Two-tier review: filing-critical vs. metadata Bank statement multi-account aggregation Tax return AGI + filing status cross-check Mortgage arrears detection and multi-property support | Extraction review surfaces what matters most per document type. Bank aggregation merges multi-account statements. Tax cross-check flags inconsistencies. |
Deliberately Excluded (UPL Risk)
These items require legal judgment and are explicitly excluded from automation:
✕Chapter selection recommendation (Ch.7 vs. Ch.13)
✕Exemption strategy optimization advice
✕Lien avoidance motion preparation (§ 522(f))
✕Student loan modified treatment in Ch.13
✕Reaffirmation agreement negotiation
✕Adversary proceeding filings
✕Motion to extend/impose automatic stay
✕Post-confirmation plan modification motions (§ 1329)
UPL Boundaries
What we explicitly do not do
Easy-Case is a document preparation service. These activities remain in the domain of licensed attorneys. We serve the population that exercises their right to file pro se.
✕Provide legal advice or legal opinions
✕Recommend whether to file bankruptcy
✕Recommend Chapter 7 vs. Chapter 13
✕Advise on asset protection strategies
✕Represent debtors in court or at 341 meetings
✕Negotiate with creditors or trustees
✕Advise on timing of filing
✕Make legal determinations about exemption eligibility
✕File documents via CM/ECF on behalf of debtors
✕Advise on non-dischargeable debt classification
✕Handle adversary proceedings
✕Provide post-filing legal guidance
Questions about our coverage?
We welcome technical feedback from the bankruptcy bar. If you have questions about our form coverage, calculation methodology, or compliance approach, we'd like to hear from you.
Easy-Case, Inc. is a document preparation service — not a law firm. We do not provide legal advice, legal representation, or attorney-client relationships. All form references are to official AO forms. Statutory citations reference Title 11, U.S.C. and FRBP.