Chapter Verity
A TSG NextGen Solutions product · Private Law-Firm Edition
Secure attorney workspace
Sign in with your firm identity. Access is limited by role, approved device, matter assignment, and ethical wall.
✓ MFA required
✓ Matter-scoped access
✓ No external AI calls
✓ Immutable audit
Matter portfolio
Monitor evidence readiness, calculation status, attorney review, and upcoming filing decisions.
Open matters
38
7 need attorney action
Evidence ready
21
55% of active matters
Calculations locked
14
Source and rules versions sealed
Filing decisions this week
6
2 Georgia · 4 Florida
Priority matters
| Matter | Jurisdiction | Readiness | Issue | Owner |
|---|---|---|---|---|
| BK-2026-0417 Jordan Ellis | GA-SD · Ch. 7 | 82% | Special-circumstances support | A. Morgan |
| BK-2026-0422 Riley Carter | FL-MD · Ch. 13 | 61% | Mortgage arrears mismatch | S. Patel |
| BK-2026-0398 Morgan Diaz | GA-ND · Ch. 7 | 96% | Attorney decision ready | A. Morgan |
| BK-2026-0409 Casey Monroe | FL-SD · Ch. 7 | 78% | Residency/exemption review | D. Shaw |
Work queue
3 conflicting income items
Review source periods and transfers
3Review source periods and transfers
5 evidence requests
Waiting for client documents
5Waiting for client documents
4 approvals ready
Calculation and report release
4Calculation and report release
System assurance
HealthyLegal source packagesCurrent
Local inference enclaveOnline
Last immutable backup18 min ago
External AI requests0
Create matter
Establish the legal and data boundary before accepting documents or running calculations.
1 Matter2 Parties3 Authority4 Consent
Matter and filing profile
Local-onlyControls venue, exemptions, local rules, and state-specific calculation packages.
Controls ethics, unauthorized-practice, engagement, disclosure, and supervision rules.
Governance package selection
Filer layerLoading…
Representation layerLoading…
Federal coreLoading…
Release stateLoading…
Attorney review is required before a state package may govern a calculation or client-facing conclusion.
Attorney verification required. Venue, domicile, exemption eligibility, and household size are legal determinations. The system will not lock calculations until reviewed.
Authority package
ValidConflict and consent
✓ Conflict search completed
✓ Engagement agreement signed
! AI-assisted review disclosure pending
! Client portal identity not verified
Secure document intake
BK-2026-0417 · Jordan Ellis · All files are scanned, hashed, and stored inside the firm environment.
Drop files or choose from device
PDF, images, spreadsheets, and exported statements · Maximum 250 MB per file
No document is sent to an external OCR or AI service.
Received documents
24 of 29 requested| Document | Period | Security | Classification | Status |
|---|---|---|---|---|
| Employer pay statements 6 PDF files · 18 pages | Jan–Jun 2026 | Hash verified | Income | Processed |
| Checking account statements 6 PDF files · 74 pages | Jan–Jun 2026 | Hash verified | Banking | Review 3 items |
| VA award letter 1 PDF · 4 pages | 2026 | Hash verified | Benefits | Processed |
| Mortgage statement 1 PDF · 3 pages | Jul 2026 | Hash verified | Secured debt | Processed |
| Vehicle valuation Not received | Current | — | Asset evidence | Missing |
Completeness
83%Income recordsComplete
Banking recordsComplete
Asset support2 missing
Debt support3 missing
Automated controls
✓ Malware scan: clean
✓ Duplicate detection: 2 suppressed
✓ Encryption and matter scope applied
✓ Immutable original retained
Evidence extraction and review
Validate every extracted fact against its source page before it enters the authoritative financial ledger.
187 accepted12 review3 conflict
NORTHSTAR SYSTEMS
EARNINGS STATEMENT
Employee: Jordan EllisPay date: 06/26/2026Pay period: 06/08–06/21Status: Regular
| Description | Current | YTD |
|---|---|---|
| Regular earnings | $4,250.00 | $53,125.00 |
| Federal withholding | $512.00 | $6,280.00 |
| Retirement | $255.00 | $3,187.00 |
| Net pay | $3,111.18 | $38,744.20 |
Evidence anchor: page 12 · box 4 · SHA-256 …A7F2
Extracted evidence item
98% confidenceEmployer Pay Statements · p. 12 · highlighted earnings row
A matter-authorized staff session is required. Each opening creates a review receipt.
Deterministic check passed. Amount reconciles to YTD progression and the matching bank deposit after deductions.
Related evidence
Income and current monthly income
Six full calendar months preceding filing: February 1 through July 31, 2026.
Gross / basis total
$61,842
All identified inflow candidates
Main CMI count
$53,520
$8,920 monthly average
Annualized CMI
$107,040
Before means-test deductions
Excluded / reviewed
$8,322
Benefits, transfers, reimbursements
Monthly pay breakdown
Main countReviewExcluded
| Month | Gross basis | Main count | Excluded | Evidence | Status |
|---|---|---|---|---|---|
| Feb 2026 | $9,620 | $8,920 | $700 | 14 items | Reconciled |
| Mar 2026 | $9,870 | $8,920 | $950 | 15 items | Reconciled |
| Apr 2026 | $10,162 | $8,920 | $1,242 | 16 items | 1 review |
| May 2026 | $10,900 | $8,920 | $1,980 | 17 items | Reconciled |
| Jun 2026 | $10,490 | $8,920 | $1,570 | 16 items | 2 review |
| Jul 2026 | $10,800 | $8,920 | $1,880 | 18 items | Reconciled |
Income categories
Review queue
R
Employer reimbursement
$740 · Apr 12 · classification uncertain
$740 · Apr 12 · classification uncertain
R
Spousal contribution
$1,200 · Jun 01 · marital adjustment review
$1,200 · Jun 01 · marital adjustment review
R
Tax refund
$2,800 · Jun 18 · nonrecurring treatment
$2,800 · Jun 18 · nonrecurring treatment
Chapter 7 means-test analysis
Deterministic calculation with traceable formulas, authority versions, and source evidence.
Calculation waterfall
Math verifiedAnnualized CMI$107,040
Applicable annual median($95,750)
Above-median amount$11,290
National and local standards($32,460)
Secured and priority debt($16,920)
Other allowable deductions($9,480)
Proposed special circumstances($14,160)
Calculated 60-month disposable amount$5,340
Every line is linked to a formula, effective-dated rule, evidence item, and reviewer status.
Gate status
✓
Income ledger complete6 months reconciled
✓
Authority packages currentFiling date within effective range
!
Special circumstances2 evidence items need approval
!
Marital adjustmentAttorney treatment not locked
×
Final eligibility statementBlocked until attorney approval
Required actions
- Approve or revise the marital adjustment.
- Review recurring medical expense evidence.
- Confirm secured-debt treatment.
- Sign the calculation run.
Chapter and filing-date scenarios
Compare controlled assumptions without overwriting the authoritative baseline.
STEP 1 · CHAPTER
Choose the chapter to analyze
STEP 2 · FILING WINDOW
Move the slider to compare a proposed filing month
Calculations refresh from the selected evidence window. This is planning support, not a filing recommendation.
ACTIVE ANALYSISChapter 7 · August 14, 2026Three controlled AI-assisted candidates and one attorney-created candidate follow the same selected chapter and month.
STEP 3 · PRACTICE COACH CANDIDATES
Compare four approaches
The first three are advisory candidates ranked from governed facts. Manual analysis remains available to counsel.
STEP 4 · SELECTED CANDIDATE
Advisory onlyEvidence-first review
Chapter 7 · August 14, 2026 · attorney disposition required
Potential advantages
Risks and tradeoffs
Evidence and legal review
AI Practice Coach
Ask for an explanation of the selected approach, contrary considerations, missing evidence, and questions for counsel.
No AI analysis requested. Deterministic values remain unchanged.
Operational authority: none. Chapter choice, filing date, legal conclusions, and release remain attorney decisions.Selected combination
S-01Chapter 7 · Aug 14
Annualized CMI$107,040
60-month disposable amount$5,340
Nonexempt equity estimate$2,100
Special-circumstances adjustment$14,160
Review required
Best current candidate, subject to evidence and attorney approval.
Date simulation
S-02Chapter 7 · Sep 04
Annualized CMI$103,800
60-month disposable amount$2,460
Nonexempt equity estimate$2,100
Special-circumstances adjustment$14,160
Lower means-test exposure
Later filing window excludes one overtime month; employment facts must remain current.
Alternative chapter
S-03Chapter 13 · Aug 14
Estimated plan base$1,185/mo
Estimated term60 months
Mortgage cure$18,400
Unsecured distribution18–26%
Feasibility review
Illustrative planning estimate; trustee, confirmation, and claim outcomes not predicted.
Assumption differences
| Dimension | Selected combination | S-01 Baseline | S-02 Sep filing | S-03 Chapter 13 | Attorney note |
|---|---|---|---|---|---|
| CMI window | Feb–Jul | Feb–Jul | Mar–Aug | Feb–Jul | Refresh August pay before relying on S-02 |
| Chapter treatment | 7 | 7 | 7 | 13 | No recommendation until adjudication |
| Deduction posture | Documented evidence | Included, pending | Included, pending | Budget context | Evidence burden remains |
Assets, debts, equity, and exemptions
Georgia exemption profile · Ownership, liens, values, and evidence remain separately traceable.
Total scheduled assets
$643,800
19 assets
Secured debt
$613,200
Mortgage, vehicles, lot
Gross equity
$30,600
Before costs and ownership allocation
Estimated nonexempt
$2,100
Attorney review required
Asset schedule
2 value gaps| Asset | Ownership | Value | Liens | Equity | Exemption | Risk |
|---|---|---|---|---|---|---|
| Primary residence Camden County, GA | Joint | $590,000 | $580,000 | $10,000 | Homestead candidate | Covered |
| 2022 SUV | Joint | $28,500 | $27,900 | $600 | Motor vehicle | Covered |
| 2019 sedan | Joint | $12,500 | $11,900 | $600 | Motor vehicle | Covered |
| Golf cart | Spouse asserted | $7,500 | $0 | $7,500 | Wildcard / ownership review | Review |
| Household goods | Joint | $5,300 | $0 | $5,300 | Household goods | Covered |
Exemption allocation
92%
Allocated $26,400
Unresolved $2,100
Unused $1,500
Attorney questions
Who purchased and uses the golf cart, and what documents establish ownership?
Confirm current private-party vehicle values.
Confirm recorded lien and estimated sale costs for residence.
Special-circumstances builder
Build an evidence-backed adjustment without allowing AI to approve the legal treatment.
Proposed adjustment
Formula linkedLocal AI draft assistance. Narrative text was generated from admitted evidence. It has not been approved as a legal argument and cannot change the calculation until the attorney signs.
Supporting evidence
7 itemsProvider invoice · p. 2 · $640/mo
Prescription receipts · 6 months · $385/mo
Travel to treatment · ledger · $155/mo
Insurance EOB · corroborating
Validation
✓ Amount reconciles to source evidence
✓ Recurrence supported for six months
✓ No duplicate deduction detected
! Attorney legal sufficiency review
! Client declaration not signed
Attorney review and disposition
Resolve legal judgment, exceptions, and report language before any client or filing output is released.
Decision items
3 unresolved1Marital adjustment treatment
ReviewSpouse contribution and spouse-only expenses require a legal disposition. Proposed net adjustment: $1,200/month.
2Special-circumstances adjustment
ReviewRecurring medical expense of $1,180/month is source-supported. Client declaration remains unsigned.
3Golf-cart ownership and exemption
Evidence gapTitle and purchase evidence are missing. Current scenario assigns the asset to joint property as a conservative stress test.
Release gates
✓
Source lineage100% cited
✓
Calculation validationGolden tests passed
✓
Authority versionsCurrent for filing date
!
Attorney decisions and rationale3 unresolved
×
Client report releaseBlocked
Signature
Client summary report preview
Plain-language, attorney-controlled output. Internal calculations and privileged notes remain hidden.
NORTH COAST LAW
Bankruptcy planning and decision support
Bankruptcy Planning Summary
Your review is not complete yet.
We have enough information to compare options, but your attorney must resolve three remaining issues before recommending a filing strategy.
We have enough information to compare options, but your attorney must resolve three remaining issues before recommending a filing strategy.
What we reviewed
Income and benefits
Six months of pay, retirement, benefits, and bank deposits were reconciled.
Property and debts
Major assets, liens, credit accounts, and ownership were reviewed.
Chapter options
Chapter 7 and Chapter 13 planning scenarios were compared.
Current planning findings
| Chapter 7 means-test review | Attorney review |
| Estimated nonexempt property | Approximately $2,100, subject to value and ownership evidence |
| Chapter 13 planning estimate | Illustrative range only; not a confirmed plan result |
What we still need
- Signed medical-expense declaration and final supporting statement.
- Golf-cart title, purchase record, or ownership documentation.
- Confirmation of spouse-only expenses used in the marital adjustment.
Attorney means-test workpaper
Formula-level report with authority versions, evidence links, assumptions, and reviewer status.
Exports are generated server-side from the authorized matter projection.
MEANS-TEST WORKPAPER
BK-2026-0417 · Jordan Ellis
| Line | Requirement / formula | Input / source | Amount | Authority | Reviewer status |
|---|---|---|---|---|---|
| CMI-01 | Six-month included income total ÷ 6 | Income ledger · 102 evidence items | $8,920/mo | 11 U.S.C. § 101(10A) | Verified |
| MED-01 | Compare annualized CMI to applicable median | Household 3 · Georgia | $107,040 vs $95,750 | UST 2026-07-15 | Verified |
| DED-14 | Secured and priority debt deductions | Mortgage, vehicle, priority claims | ($16,920) | 11 U.S.C. § 707(b)(2) | Verified |
| SC-03 | Documented special circumstances | Medical evidence E-144–E-150 | ($14,160) | 11 U.S.C. § 707(b)(2)(B) | Pending approval |
| RES-01 | 60-month disposable amount | Deterministic calculation trace | $5,340 | Rules package CALC-v4.7 | Not released |
Assumptions and exceptions
- Proposed filing date: August 14, 2026.
- Georgia exemption profile pending final domicile confirmation.
- Special-circumstances amount is not active until attorney approval.
Integrity record
Input manifest SHA-256: 9c31…af07
Output calculation SHA-256: 18bd…710c
Source pages cited: 164 of 164
External AI calls: 0
Filing work-product package
Generate controlled exports only after source, calculation, attorney, and signature gates pass.
Package contents
18 productsAttorney planning memorandumPrivileged internal work product
ReadyClient bankruptcy planning summaryPlain-language report
BlockedMeans-test calculation workpaperFormula and authority trace
ReadySpecial-circumstances memorandumEvidence and declaration appendix
Signature neededCourt-form data exportValidated field mapping · no direct filing
BlockedSealed evidence packageManifest, hashes, source receipts, audit
ReadyRelease checklist
✓ Authority packages current
✓ Calculation tests passed
✓ Every report statement source-linked
! Attorney adjudication incomplete
! Client declaration unsigned
! Final form review incomplete
Export destination
The platform prepares exports; it does not autonomously file with a court.
Compliance, provenance, and RTM
Trace every output from legal authority and requirement through implementation, test, evidence, and attorney release.
Requirements
120
118 verified · 2 open
Source lineage
100%
164 report claims cited
Authority violations
0
No autonomous legal effects
External AI calls
0
Network egress policy enforced
Requirements traceability matrix
| ID | Requirement | Allocation | Verification | Evidence | Status |
|---|---|---|---|---|---|
| FED-017 | Select UST data by filing date and state | Legal Source Registry / Rules Engine | Boundary-date golden tests | TEST-FED-017.json | Pass |
| CALC-024 | Compute CMI from six full calendar months | Income Service / Rules Engine | Known-answer test set | CALC-024-receipt | Pass |
| GOV-012 | Attorney approval before legal conclusion release | Policy Engine / Report Service | Negative authorization test | AUTH-NEG-012 | Pass |
| GA-009 | Version Georgia exemption package by effective date | Legal Source Registry | Supersession test | GA-009-package | Counsel review |
| SEC-031 | Block external AI endpoints | Egress Gateway / DNS Policy | Outbound connection test | SEC-031-pcap | Pass |
Immutable event chain
ValidAttorney opened adjudication14:41 · A. Morgan · device DEV-108
Calculation CALC-07 verified14:32 · deterministic service
Evidence ledger sealed14:29 · 202 records · hash …9C31
Local AI draft generated14:20 · model LAW-20B-v3 · prompt P-77
Assurance gates
AccessibilityAA pass
Calculation regression528 / 528
Security scan0 critical
Backup restoreVerified Jul 21
State governance registry
Separate the filer jurisdiction from the representing-law-firm jurisdiction and compose both with the federal bankruptcy core.
Filer jurisdiction layer
EnabledGeorgia
Representation jurisdiction layer
EnabledGeorgia
State package registry
| Code | State | Filer package | Representation package | Version | Release gate |
|---|
Required package interface
Schema v1.0Identity
State code, name, version, effective dates
State code, name, version, effective dates
Filer rules
Venue, domicile, exemptions, local rules, calculations
Venue, domicile, exemptions, local rules, calculations
Representation rules
Ethics, UPL, engagement, disclosures, supervision
Ethics, UPL, engagement, disclosures, supervision
Sources
Official authority registry and retrieval receipts
Official authority registry and retrieval receipts
Tests
Boundary, regression, negative, and supersession tests
Boundary, regression, negative, and supersession tests
Release
Counsel signoff, security review, and immutable manifest
Counsel signoff, security review, and immutable manifest
Platform administration and assurance
Firm-controlled legal content, local models, access policy, backup, monitoring, and support.
Legal source packages
Local AI enclave
LAW-20B-v3Classification, extraction review, drafting
ApprovedGPU nodes2 / 2 online
Model context policyMatter scoped
Automatic trainingDisabled
External provider routesBlocked
Identity and access
Active users27
Approved devices34
Open vendor sessions0
Ethical walls8 active
Last access reviewJul 15
Backup and recovery
Last immutable backup18 minutes ago
Offline copyCurrent
Last full restoreJul 21 · Pass
Measured RPO / RTO15 min / 2h 08m
Key recovery drillPass
System health and change control
Application99.98% 30-day
DatabaseReplication healthy
Object storageIntegrity verified
Audit chainNo breaks
Patch windowScheduled Jul 27