Features
The tools and reports that run the case
Analyze eligibility, exemptions, and plan funding up front — then watch a readiness report follow the matter from intake through trustee delivery.
Request a DemoAnalysis tools
The tools your team runs before the first document arrives
Try each tool to see what it does. Bankruptcy.ai provides reporting and guides — it never makes the final decision and never performs legal work. Every result is a starting point for an attorney, not an answer, and the tools are constantly evolving as rules and sources change.
What can I keep?
Exemption Calculator
Enter the home, vehicle, retirement, and household property, and see line by line what the state's exemptions protect — each figure carrying its statute and effective date.
See what it can doIncome check
Means Test Calculator
Compare household income against the state median for the household size to see where a matter lands on the first step of the Chapter 7 means test.
See what it can doWhat does the plan fund?
Chapter 13 Fund Analyzer
Model disposable income against secured arrears, priority debt, and trustee fees to see what a plan payment and plan length would need to look like.
See what it can doWhich chapter fits?
Eligibility Tool
A short set of questions on income, debt mix, and property that sorts a matter toward Chapter 7 or Chapter 13 before anyone spends time on documents.
See what it can doWhat's actually in the account?
Bank Statement Analyzer
Scans the statements and reports every transaction by category, then compares the deposits, transfers, and recurring payments against the reported income, debts, and assets to highlight what a client may have forgotten.
See what it can doReadiness reports
You always know exactly how ready a case is
At every stage the platform produces a readiness report: what's done, what's still missing, and what needs an attorney's eyes. The examples below are drawn from real matters, shared with the debtors' approval and identified only as "Debtor."
Stage 1 — Intake
62% readyDebtor · Maricopa County, AZ · Chapter 7
- Contact and household details captured (household of 3)
- Credit-counseling certificate on file
- Prior filings check clear — no case in 8 years
- Spouse income figures for the 6-month lookback
- Vehicle payoff statement
- Wage garnishment reported — starts in 19 days
Stage 2 — Document collection
84% readyDebtor · Pierce County, WA · Chapter 13
- 6 months of pay stubs received and labeled
- 2 years of tax returns matched to the file
- Mortgage statement and arrears figure logged
- Two bank statements missing (Feb, Mar)
- Business profit-and-loss for side income
- Transfer of a titled vehicle 11 months ago — needs review
Stage 3 — Analysis & schedules
93% readyDebtor · Pima County, AZ · Chapter 7
- Means test run against state median for household of 2
- Exemptions applied to homestead, vehicle, and retirement
- Creditor matrix built from credit report and mail
- Household goods valuation confirmation from client
- Homestead equity within $4,100 of the cap — attorney review requested
Stage 4 — Petition & trustee delivery
100% readyDebtor · King County, WA · Chapter 13
- Schedules exported to petition software without manual re-entry
- Signature pages executed and filed to the case folder
- Trustee packet assembled and delivered
- 341 meeting date calendared with client reminders
Debtors approved the sharing of the case details shown above; no names are used. Nothing here is legal advice, and every legal judgment on a real matter is made and released by a licensed attorney.
How we build
Built around the client, checked before anything ships
Bankruptcy.ai is a platform that is always learning new skills and getting better at what it does — while keeping clients informed and protected at every step.
Protecting clients comes first
Every decision about how the platform works starts with one question: does this protect the client? Anything that doesn't clear that bar doesn't ship.
A platform that keeps learning
The platform is continually learning new skills and getting better at the work it supports — new tools, sharper reporting, and reference data that keeps pace with the rules.
Always checked, always pressure tested
Every function is checked against the authorities it relies on and pressure tested against real practice before anyone relies on it. Clients stay informed at every step.
Nothing deployed without attorney review
No function reaches a live matter without a licensed attorney reviewing it first, and no result is treated as a decision. The attorney's judgment is always the final word.
How the system is built
Built with one priority above all: keeping client information safe
Closed source, by design
Our .ai tools perform their functions inside a closed system. Nothing here is an open-source platform, and no model is trained on or improved with your clients' information.
Client data never leaves the environment
Client information stays inside the firm's environment. It is not shared with outside services, and the system only does work when someone at the firm asks it to.
Streamlines — never decides
These tools organize, calculate, and report. They do not make decisions and they do not perform legal work. They exist to take the busywork out of the case, not the judgment.
Every function gated by a human
Nothing is filed, sent, or released without the attorney's decision. The reporting is built so attorneys can better assist their clients — the human call is always the final one.