Sample Case Intelligence Report — Chapter 7 Bankruptcy (Texas, Above-Median Income)

Sample AI legal research report on Chapter 7 bankruptcy eligibility in Texas with above-median household income. Means-test pass/fail analysis under 11 U.S.C. § 707(b).

Sample report. Names and dollar amounts are fictional; legal analysis follows actual federal and state authority.

Fact pattern

Texas debtor, household of 4, gross monthly income $11,200 (annual $134,400). Mortgage $2,800/mo, car loan $625/mo, healthcare $580/mo, student loan $410/mo. $42k in unsecured credit card debt. No prior bankruptcy filings.

Outcome forecast

Above the Texas household-of-4 median ($108k current). Triggers the second part of the § 707(b)(2) means test: monthly disposable income calculation using IRS Local + National Standards. With a 5-year disposable income < $9,075 (current threshold), Chapter 7 remains available; otherwise the case faces a presumption of abuse and a likely Chapter 13 conversion.

Case strength

Documentation focus: (1) 6 months of paystubs to establish CMI, (2) verifiable secured-debt expenses (mortgage + car loan), (3) actual healthcare costs, (4) priority debts (student loan stays in calculation but is non-dischargeable). The $42k unsecured load is consistent with Chapter 7 relief if the means test passes. UST objection risk is moderate given above-median status.

Timeline estimate

Petition to 341 meeting: 30-45 days. Objection deadline: 60 days post-341. Discharge: 90-120 days post-petition if no adversary proceeding. UST means-test review typically completes within the objection window.

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