CHAPTER 7 BANKRUPTCY PETITION PACKAGE

United States Bankruptcy Court – Eastern / Western District of Kentucky
(Compiled in conformity with Official Forms, the Federal Rules of Bankruptcy Procedure, and Local Rules for the Commonwealth of Kentucky)

[// GUIDANCE: 1. This template tracks Official Forms 101, 106 A–J, 107, 108, 122A-1/2, Summary of Assets & Liabilities, and KY-specific local‐rule exhibits.
2. Bracketed text – e.g., [DEBTOR NAME] – must be customized.
3. Do not alter pre-printed language in any Official Form. Edits should be limited to inserting accurate factual information and attaching additional sheets where indicated.
4. All signatures are made under penalty of perjury; confirm accuracy with the client before filing.]

TABLE OF CONTENTS

I. Voluntary Petition (Official Form 101)
II. Exhibits to Petition
III. Bankruptcy Schedules (Official Forms 106 A/B – 106 J)
IV. Summary of Assets and Liabilities (Official Form 106Sum)
V. Statement of Financial Affairs (Official Form 107)
VI. Chapter 7 Statement of Intention (Official Form 108)
VII. Means Test Forms (Official Forms 122A-1, 122A-1Supp, 122A-2)
VIII. Creditor Matrix (KY LBR 1007-1)
IX. Verification of Creditor Matrix (KY LBR 1007-2)
X. Certificate of Credit Counseling & Debt-Repayment Plan (if any)
XI. Local Trustee Questionnaire (KY Standing Trustee Guidelines)
XII. Declaration & Signatures
XIII. Filing Checklist / Procedural Roadmap

I. VOLUNTARY PETITION – OFFICIAL FORM 101

Caption (Top Right Corner)
[UNITED STATES BANKRUPTCY COURT
EASTERN / WESTERN DISTRICT OF KENTUCKY]
Case No.: ________ Chapter: 7
A. Debtor 1 Information
• Full Legal Name: [FIRST MIDDLE LAST]
• All Other Names Used in Last 8 Years: [LIST / “N/A”]
• Social-Security / ITIN: [XXX-XX-XXXX]
• Address: [STREET, CITY, STATE KY, ZIP]
• County of Residence: [COUNTY]
• Mailing Address (if different): [ADDRESS / “SAME”]
• Debtor 1 Type: ❑ Individual ❑ DBA ❑ Non-profit

B. Debtor 2 (Spouse, if filing jointly)
[Replicate fields above.]

C. Attorney for Debtor(s)
• Firm Name: [FIRM]
• Bar ID (KY): [#####]
• Address / Phone / Email

D. Venue Statement
Check the applicable box:
☐ Debtor has domicile, residence, principal assets, or principal place of business in this District for 180 days preceding filing.
☐ Debtor is a defendant in a pending KY District lawsuit (28 U.S.C. § 1408).

E. Statistical / Administrative Information
• Nature of Debts: ☑ Consumer ☐ Non-consumer ☐ Mixed
• Estimated Number of Creditors: ☐ 1-49 ☐ 50-99 ☐ 100-199 ☐ 200-999 ☐ 1,000+
• Estimated Assets: ☐ $0-$50k … ☐ $1M-$10M
• Estimated Liabilities: ☐ $0-$50k … ☐ $1M-$10M

F. Prior Bankruptcy Cases (last 8 years)
Case No./Court/Date: [IF ANY]

G. Pending Bankruptcy of Affiliates / Partners: [DETAILS / “NONE”]

H. Certification re: Credit Counseling
☑ Received within 180 days (attach certificate).
☐ Request for waiver (Official Form 101A).

I. Signature Blocks
Debtor 1 / Debtor 2 / Attorney (see Part XII).

II. EXHIBITS TO PETITION

Exhibit C – Certification Under § 522(q) and § 1328(h): [YES/NO]
Exhibit D – Corporate Ownership Statement (if non-individual debtor): [ATTACHED / N/A]

III. BANKRUPTCY SCHEDULES (OFFICIAL FORMS 106 A/B – 106 J)

[// GUIDANCE: Use continuation sheets for any schedule in which the number of entries exceeds the allotted space. All values must be supported by documentation kept in the file.]

A/B. Property
• Real Property – List KY homestead and non-KY parcels; indicate tenancy type.
• Personal Property – Include tax refunds, crypto-assets, accrued wages, potential causes of action, etc.

C. Schedule of Exempt Property (KY opt-out state)
• Apply KRS § 427.010 et seq. exemptions.
• For federal non-banking benefits, reference 11 U.S.C. § 522(d) only if debtor elects federal exemptions and confirms eligibility.
• Homestead Cap (KRS § 427.060): $5,000 equity unless federal scheme elected.
• Wildcard (KRS § 427.160): $1,000 aggregate in any property.

[// GUIDANCE: Clearly indicate statute relied upon beside each claimed exemption.]

D. Secured Claims
• Identify lienholder, collateral description, amount of claim, and whether debtor intends to redeem, reaffirm, or surrender.

E/F. Unsecured Claims
• E – Priority (e.g., domestic support, certain taxes)
• F – Non-priority

G. Executory Contracts & Unexpired Leases
• Include real-estate leases, auto leases, service agreements, timeshares.

H. Codebtors
• List any cosigners/guarantors with mailing address.

I. Current Income
• Attach pay stubs (last 60 days) & business P&L (if self-employed).
• Include non-traditional income (gifts, alimony, child support).

J. Current Expenditures
• Separate household from non-filing spouse if applicable.

IV. SUMMARY OF ASSETS & LIABILITIES (FORM 106Sum)

Auto-calculate totals from Schedules A/B, D, E/F; cross-check for arithmetic accuracy.

V. STATEMENT OF FINANCIAL AFFAIRS – FORM 107

• Gross income from employment / operation of business (3-year look-back).
• Payments to creditors > $600 within 90 days.
• Insider payments (1 year).
• Repos, foreclosures, garnishments (1 year).
• Lawsuits, garnishments, setoffs.
• Gifts / charitable contributions > $600 (2 years).
• Losses from fire, theft, casualty, gambling (1 year).
• Transfers of property outside ordinary course (2 years; 10 years if to self-settled trust).
• Financial accounts closed (1 year).
• Safe-deposit boxes.
• Property in storage.
• Environmental sites.
• Business history (past 4 years).

[// GUIDANCE: Attach KY Form IBR-1 if debtor previously owned/operated a business within state taxing authority.]

VI. STATEMENT OF INTENTION – FORM 108

• Indicate for each secured debt:
– ❑ Retain/Reaffirm
– ❑ Redeem
– ❑ Surrender
• Deadline: Perform within 30 days of § 341 meeting (11 U.S.C. § 521(a)(2)).

VII. MEANS TEST – FORMS 122A-1, 122A-1Supp, 122A-2

A. Part 1 – Current Monthly Income
– Reflect Kentucky median income figures (update from U.S. Trustee website).
B. Part 2 – Marital Adjustment.
C. Part 3 – Disposable Income.
D. Part 4 – Determination of Abuse (11 U.S.C. § 707(b)).
E. Part 5 – Signature and declaration.

[// GUIDANCE: Even if debtor qualifies for the § 707(b)(7) “safe harbor” (primarily non-consumer debts), complete Part 1 to evidence exemption.]

VIII. CREDITOR MATRIX (KY LBR 1007-1)

• Single-column, all-caps, no punctuation except single comma, each address ≤ 5 lines, 30 characters/line.
• Saved as .txt (ASCII) for electronic filing.

IX. VERIFICATION OF CREDITOR MATRIX (KY LBR 1007-2)

Debtor(s) sign and date certifying accuracy under penalty of perjury.

X. CERTIFICATE OF CREDIT COUNSELING

Attach the certificate from an approved agency (11 U.S.C. § 111) obtained within 180 days pre-petition, or file Form 101A for waiver.

XI. LOCAL TRUSTEE QUESTIONNAIRE & DOCUMENTS

Deliver to assigned case trustee (within 7 days of petition or 30 days of order for relief):
1. Federal & KY state tax returns (last 2 years).
2. Bank statements covering petition date.
3. Vehicle titles / real-estate deeds.
4. Domestic Support Obligation information sheet.

[// GUIDANCE: Trustee offices in KY typically accept secure email PDFs < 10 MB or postal delivery; verify trustee’s preferred method on appointment notice.]

XII. DECLARATION & SIGNATURES

A. Debtor Declaration (Official Forms 101 & 106Dec)
“I have examined this petition, schedules, and other documents and, to the best of my knowledge and belief, they are true and correct.”
Date: ___

Debtor 1 Signature: ____
Debtor 2 Signature: ______

B. Attorney Declaration (Rule 9011(b))
Date: ___

Attorney Signature: ________

XIII. FILING CHECKLIST / PROCEDURAL ROADMAP

1. E-file Voluntary Petition package in CM/ECF; pay filing fee ($338) or file Application to Pay in Installments (Form 103A) / Waive Fee (Form 103B).
2. Serve 20-Day Domestic Support Notice if applicable (Rule 1007-b).
3. Calendar § 341 Meeting (≈ 30-45 days post-filing).
4. Complete Post-Petition Debtor Education Course; file Form 423.
5. Monitor case docket for Reaffirmation Agreement deadlines, Trustee motions, and discharge entry.

RISK MANAGEMENT NOTES

[// GUIDANCE: Insert the following protective practices into your workflow rather than the official forms.]

• Redact all but the last four digits of any SSN on attachments (Fed. R. Bankr. P. 9037).
• Verify homestead deed recordation dates to defend against trustee lien-avoidance actions (11 U.S.C. § 522(f)).
• For tax debts, run transcript analysis to determine priority vs. dischargeable status (11 U.S.C. §§ 523(a)(1), 507(a)(8)).
• If non-filing spouse resides in KY, confirm tenancy-by-entirety implications on exemption planning.
• Advise debtor regarding § 521(a)(6) requirement to surrender or reaffirm personal property securing purchase-money loans.
• Document all coaching regarding fraudulent transfer avoidance periods (roughly 2 years federal; 5 years under KY Uniform Voidable Transactions Act).

FINAL REMINDERS

1. Automatic Stay: Effective upon filing (11 U.S.C. § 362(a)). Provide creditors with case number immediately to halt collections.
2. Discharge Scope: Most pre-petition unsecured debts discharged (11 U.S.C. § 727), subject to exceptions in § 523.
3. Retention: Keep signed originals for four years post-discharge.
4. Updates: Re-check KY Local Rules before each filing for amendments.

Prepared by: [ATTORNEY NAME], Esq.
Date: [INSERT]

[// GUIDANCE: This template is court-ready but always cross-reference the latest Official Forms (revision 12/22 or later) and Local Bankruptcy Rules as they are periodically updated.]