Sample Client Report

Jordan Avery — Chapter 7 Analysis

A representative example of a DocketBuddy client intake report. Georgia · Household of 1 · Below-median income · $48k unsecured debt · No contested flags. This is the kind of analysis waiting in your dashboard the morning of every consultation.

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Sample Report — Fictional Case · For Demonstration Purposes Only

Jordan Avery is a fictional character. All names, figures, and case details are invented. No real client data is used. Actual DocketBuddy reports are generated from 40+ inputs specific to each client and are attorney work product.

Case Summary

Chapter 7 Discharge on Track — No Contested Flags

Chapter 7 discharge is on track — income is well below the Georgia median, all assets are fully exempt, and no contested flags were identified. Standard administrative steps remain.

Est. Time to Discharge

~3–4 months

from filing date

Challenge Risk

Low

No contested flags

Case Complexity

Standard

Below median, no flag items

Est. Attorney Cost

$1,500–$2,500

Typical for standard Ch. 7

Means Test

Ch. 7 — Clear

Well below GA median (HH1)

Monthly Income

$3,800

GA HH1 median: $5,707/mo

Situation Overview

Jordan Avery (fictional) filed Chapter 7 bankruptcy in Georgia on May 1, 2026, listing $48,000 in total unsecured debt — $28,000 in medical bills from an unexpected surgery in 2025 and $20,000 in credit card balances used to cover living expenses during recovery. Income of $3,800/month is well below the Georgia median of $68,478/year for a single-person household, placing this case in the standard below-median Chapter 7 track. The §341 meeting of creditors is first set for June 10, 2026. No cash advances within 70 days of filing, no insider preference payments, and no non-exempt assets were reported. All personal property and the vehicle are fully covered by Georgia exemptions.

Means Test Analysis

Income of $3,800/month ($45,600 annualized) is well below the Georgia median of $68,478/year for a single-person household (UST table, effective April 1, 2026). The case falls into the below-median track under 11 U.S.C. § 707(b)(7) — the full means test calculation (Form 122A-2) is not required. Chapter 7 eligibility is clear. The 60-day objection window (FRBP 4004(a)) runs from the first date set for the §341 meeting (June 10, 2026), closing approximately ~August 9, 2026.

Executive Summary

Filing status:Chapter 7 filed May 1, 2026 in Georgia. §341 meeting first set for June 10, 2026. No UST motion filed. Discharge expected following the 60-day objection window close (FRBP 4004(a)) — approximately ~August 9, 2026.
Means test:Income of $3,800/month ($45,600/yr) is well below the Georgia single-person household median of $68,478/yr. Below-median track — Form 122A-2 not required. Chapter 7 eligibility is clear.
Debt origin:$28,000 in medical bills (unexpected surgery, 2025) and $20,000 in credit cards used during recovery. All unsecured debt is eligible for discharge. No §523(a) exception applies to medical debt or ordinary consumer credit card balances.
Assets / exemptions:Renter — no homestead. One vehicle, value $4,200, no loan. Georgia vehicle exemption ($5,000) fully covers the equity. Unused homestead component of wildcard ($1,200) available for personal property.
No contested flags:No cash advances within 70 days. No luxury purchases within 90 days. No insider preference payments. No §523(a)(2)(C) or §547 exposure. Administrative steps only remain.

Key Considerations

Attorney Action Items

1

Vehicle Equity — Fully Exempt Under Georgia Law

One 2019 Honda Civic, value $4,200, no outstanding loan. Georgia's $5,000 vehicle exemption (O.C.G.A. § 44-13-100(a)(3)) fully covers the equity. No trustee action expected. Counsel should verify the exemption is properly claimed on Schedule C with the correct valuation methodology.

2

Georgia Exemption Analysis — Full Inventory

Georgia has opted out of the federal exemptions — only state exemptions apply (O.C.G.A. § 44-13-100). Jordan is a renter, so the unused homestead component of the wildcard ($1,200) is available for additional personal property. Confirm all household goods and electronics over $300/item have been reviewed.

3

Medical Debt — Fully Dischargeable

$28,000 in medical bills is general unsecured debt with no applicable §523(a) exception. Confirm each medical creditor is properly listed with current addresses. Balances sold to collection agencies should be scheduled under the assignee, not the original provider.

4

Credit Card Debt — No §523(a)(2)(C) Exposure Identified

$20,000 in credit cards used during medical recovery. No cash advances within 70 days (threshold: $1250). No luxury charges over $900 within 90 days. Charges were ordinary living expenses. No adversary proceeding risk on current intake.

!

Debtor Education Certificate — Required Before Discharge

Completion certificate (Official Form 423) must be filed within 45 days of the §341 meeting. The June 10, 2026 first-set date triggers a filing deadline of approximately July 25, 2026. This is the single most common reason an otherwise clean Chapter 7 discharge is delayed.

Timeline

What Happens Next

June 10, 2026§341 Meeting of Creditors

The trustee examines Jordan under oath, verifies identity, and reviews the petition. In a clean below-median case with fully exempt assets, this meeting is typically brief. Trustee will likely indicate asset abandonment at or shortly after the meeting.

~July 25, 2026Debtor Education Certificate Deadline

Official Form 423 must be filed within 45 days of the §341 meeting. Confirm enrollment in a U.S. Trustee-approved provider for the applicable Georgia district.

~August 9, 202660-Day Objection Window Closes (FRBP 4004(a))

The window runs 60 days from the first date set for the §341 meeting (June 10, 2026). With no contested flags and no adversary proceedings expected, discharge order is anticipated within 2–3 weeks after the window closes.

~August 20–30, 2026Discharge Order

Discharge of all eligible debts — $28,000 in medical bills and $20,000 in credit card balances — is expected. No reaffirmation agreement needed (vehicle owned free and clear).

Post-DischargeCredit File Cleanup

Pull all three credit bureau reports within 30 days. Verify each discharged account reflects $0 balance and "included in bankruptcy." Dispute any accounts still showing a balance — a federal right under the discharge injunction (11 U.S.C. § 524).

This sample report is for demonstration purposes only. Jordan Avery is a fictional character — no real client data is represented. Actual DocketBuddy reports are attorney work product generated from client-specific intake responses and are subject to attorney review before any use. All §523 thresholds and UST median figures are sourced from verified federal data as of the effective dates shown. Verify against current UST tables before filing.

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