# AI for Bankruptcy Lawyers: Petition Documents and Schedules

Published and updated 2026-10-29 · RuleX editorial team · United States · American English

RuleX helps bankruptcy lawyers turn a client’s statements, pay stubs and notices into the petition checklist, the creditor list and the income and expense figures that the schedules need. Upload up to 20 documents at a time, including scans, and RuleX ties every figure to its source. Counsel answers RuleX’s questions, reviews the workbook and edits the drafts in the Canvas.

## Bankruptcy intake is a document hunt with a hard deadline.

A consumer client arrives with a stack of collection letters, credit-card statements, pay stubs, tax returns, bank statements, vehicle and mortgage papers and, often, no record of what is owed to whom. The petition package depends on getting that picture complete and accurate, and the client usually needs to file soon.

Create the matter in RuleX, choose Bankruptcy as the practice area and upload the documents in batches of up to 20. OCR reads photographed letters and scanned statements. Name the chapter under consideration, the district and the client’s goals. RuleX then builds from the file instead of from memory.

Start with a creditor matrix: creditor, address, account number, balance, date of the last statement, type of claim and the document that shows it. The matrix is the base of the petition and the first place a missing creditor shows up.

## The Code lists what the debtor files, so the checklist can be exact.

Under 11 U.S.C. § 521(a)(1), the debtor must file a list of creditors and, unless the court orders otherwise, a schedule of assets and liabilities, a schedule of current income and current expenditures, a statement of the debtor’s financial affairs, copies of all payment advices or other evidence of payment received within 60 days before filing, a statement of monthly net income itemized to show how the amount is calculated, and a statement disclosing any reasonably anticipated increase in income or expenditures during the 12 months after filing. Rule 1007(b)(1) of the Federal Rules of Bankruptcy Procedure lists the schedules and statements a debtor must file, and Rule 1007(c) calls for them with the petition or within 14 days after it is filed.

Official forms carry those requirements. The Judiciary publishes Form 101, Voluntary Petition for Individuals Filing for Bankruptcy; Form 106A/B, Schedule A/B: Property; the Form 106 Summary; Form 107, Statement of Financial Affairs for Individuals Filing for Bankruptcy; and Form 122A-1, Chapter 7 Statement of Your Current Monthly Income. Ask RuleX to turn them into a checklist keyed to the uploaded documents, with each item marked received, missing or needing client confirmation.

Two timing items belong on the calendar from the first meeting. An individual debtor generally must have received a briefing from an approved credit counseling agency during the 180-day period ending on the date of filing, under 11 U.S.C. § 109(h)(1). And under § 521(e)(2)(A), the debtor must provide the trustee with the most recent federal tax return, or a transcript, not later than 7 days before the date first set for the first meeting of creditors.

1. Choose Bankruptcy, name the chapter under consideration and the district.
2. Upload statements, letters, pay stubs, returns and titles, up to 20 documents per upload.
3. Ask for the creditor matrix and the document checklist keyed to the official forms.
4. Ask for the 60-day pay-advice summary and the monthly income and expense workbook.
5. Calendar the credit counseling date, the filing deadline and the first-meeting date.

## Income and expense figures come with their paper.

Ask for an Excel workbook that totals six months of income from the pay stubs and bank deposits and lists monthly expenses from the statements. Every figure is tied to its source. When a deposit does not match a pay stub, or a recurring charge appears in the statements but not in the client’s budget, RuleX flags the row so counsel can raise it before the client signs.

The same sheet answers the statement of financial affairs. Payments to creditors, transfers, gifts and closed accounts are visible in the statements, and RuleX lists them with dates and amounts so counsel can decide how each should be disclosed. The 60-day payment advices required by § 521(a)(1)(B)(iv) can be summarized in a table tied to the original stubs.

The Chapter 7 current-monthly-income form on Form 122A-1 is built from the same figures. Ask RuleX to place the totals beside each line of the form so the attorney can review the calculation with the client.

## RuleX asks the intake questions, then drafts the working papers.

Before drafting, RuleX asks what the matter needs: household size, state of residence, recent transfers, pending lawsuits, secured debts and whether the client wants to keep a vehicle or home. The answers go into the matter and shape the checklists and the client letter.

Draft in the Canvas next to the workbook. Ask for a client engagement letter, a document request letter listing what is still missing, a summary of the client’s options for counsel’s review or a cover memo for the file. Edit and download Word.

Use this working prompt: “Using the uploaded statements, letters and pay stubs, build a creditor matrix with a source for each claim and a checklist keyed to Forms 101, 106A/B, 106 Summary, 107 and 122A-1. List missing items. Ask me about household size, recent transfers and secured debts, then draft the document request letter to the client.”

## After filing, the same file prepares the trustee and the meeting of creditors.

Once the petition is filed, the work shifts to the trustee’s requests and the meeting of creditors, which the United States trustee convenes and presides over under 11 U.S.C. § 341(a). Ask RuleX for a tracker of every document the trustee requests, with the date asked, the date supplied and the source in the file.

Ask also for a preparation outline for the client, built from the filed schedules and statements: the questions likely to arise about each asset, debt and transfer, and the documents to bring. Review it with the client before the meeting. Upload the recorded preparation session, if you make one, and RuleX transcribes it with speaker identification for the file.

## A repeatable intake for a volume practice.

Create a RuleX agent for the bankruptcy practice: the creditor matrix columns, the form checklist, the income workbook and the client letters. Share it with the team and every new client starts from the same file discipline, with each client’s documents kept in that client’s matter.

Run the first matter beside your current process, compare the creditor list and the income figures, and refine the instructions. The agent then becomes the standard first pass for every new intake.

## Frequently asked questions

### How can RuleX help prepare bankruptcy petition documents?

RuleX reads uploaded statements, letters and pay stubs, including scans, builds the creditor matrix and an income and expense workbook with a source for each figure, and creates a checklist keyed to the official forms.

### What does 11 U.S.C. § 521 require the debtor to file?

The debtor files a list of creditors and, unless the court orders otherwise, schedules of assets and liabilities and of income and expenditures, a statement of financial affairs, payment advices from the preceding 60 days, a statement of monthly net income and a statement of anticipated changes.

### Can RuleX read photographed collection letters?

RuleX reads photographed and scanned letters and statements with OCR, and a single upload takes up to 20 documents. Each creditor entry keeps its source document.

### Does RuleX track the first meeting of creditors?

RuleX keeps the credit counseling date, the filing deadline, the first-meeting date and the seven-day tax return date as tasks in the matter, each linked to the Code section that creates it.

### How do I start a bankruptcy matter in RuleX?

Start a 7-day free trial, create the matter, choose its practice area and upload the file. Standard starts at $39.90 per month in U.S. dollars. Research, drafting, matter documents and reusable agents share the same workspace.

## Sources

- [11 U.S.C. § 521 — debtor’s duties (LII)](https://www.law.cornell.edu/uscode/text/11/521)

- [11 U.S.C. § 109 — who may be a debtor (LII)](https://www.law.cornell.edu/uscode/text/11/109)

- [11 U.S.C. § 341 — meetings of creditors and equity security holders (LII)](https://www.law.cornell.edu/uscode/text/11/341)

- [Federal Rule of Bankruptcy Procedure 1007 — lists, schedules and statements; time to file (LII)](https://www.law.cornell.edu/rules/frbp/rule_1007)

- [U.S. Courts — official bankruptcy forms](https://www.uscourts.gov/forms-rules/forms/bankruptcy-forms)

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