GoBKBankruptcy answers and options

HOW THE BETA WORKS

From the attached guide to the working beta

The PDF is a written workflow, not a finished app mockup. It defines a landing-page plan, eleven numbered questions, six conditional follow-ups, topic videos and an unfinished issue-report step. This page shows what the beta reproduces and what it safely substitutes.

General information only. It does not decide whether someone should file, whether a chapter is available, what property is protected or which debts will be discharged.

Try Beta V2Change invented answers in the workflow lab

The PDF-defined experience and this beta

Landing and trust notice

PDF plan: The PDF proposes a “Four Minutes to a Free Bankruptcy Case Analysis” hero, a Start button, an intro video, contact and location fields, a trust notice, a three-step explanation and draft social proof.

Beta implementation: The beta puts the Checkup first, keeps the legal-information boundaries and intro context, and omits contact collection, location collection and unverified social-proof or confidentiality claims.

Eleven numbered questions

PDF plan: The PDF starts with marriage, then prior bankruptcy, household, gross income, property and five debt topics. Marriage, prior filing, home and vehicle answers open conditional follow-ups.

Beta implementation: The beta keeps that order and those conditional follow-ups. A skipped follow-up remains not applicable; it is not silently changed into a substantive answer.

Topic videos

PDF plan: The PDF links one intro video and one video for each numbered topic. It places several videos on a Yes branch but does not define an exact player interaction.

Beta implementation: The questionnaire does not interrupt each answer with a video. After the report it offers up to three relevant videos. Videos are optional and never change the graph result.

Issue report and legal help

PDF plan: After Question 11 the PDF says only “ISSUE REPORT?”, points to a ZIP-based attorney search and supplies reminder and disclaimer language. It does not define report calculations or a report layout.

Beta implementation: The deterministic graph returns a bounded issue list, a chapter discussion starting point, next questions and explicit limitations. It does not match attorneys, collect a ZIP Code or turn the short form into legal advice.

The PDF's separate intro video ↗ is a source reference. It does not alter the questionnaire or graph.

The source document's branch arrows, all-caps implementation notes, bracketed buttons and placeholder media claims are specifications, not consumer-facing copy. The beta keeps the useful flow without publishing those drafting notes as if they were completed features.

INPUTEleven guide questionsPlus the spouse, prior-case, mortgage, home-equity, car-payment and vehicle-equity follow-ups when applicable
PROCESSEight graph nodesValidate → plan → calculate → explain → check
OUTPUTA bounded issue reportIssue list, chapter discussion, next questions, reading and unresolved limits
The same supported answers follow the same route. There is no language model, random choice, tracing or saved assessment session in the consumer flow.

The attached guide's question order

  1. Are you married?

    Answers: Yes or no.

    PDF branch: No goes to Question 2. Yes opens “Would your spouse file with you?” with yes, no and not sure choices.

    PDF video: Marriage and spouse filing ↗

    Beta handling: Adds household and joint-debt preparation. It does not decide who should file.

  2. Have you ever filed for bankruptcy before?

    Answers: Yes or no.

    PDF branch: No goes to Question 3. Yes opens “How long ago did you file?” with more than 8 years, less than 8 years and not sure choices.

    PDF video: Prior bankruptcy ↗

    Beta handling: Moves individual review first. The timing range does not calculate a waiting period.

  3. How many people live in your household?

    Answers: One (just me), two, three, four or five or more.

    PDF branch: Every choice continues to Question 4.

    PDF video: Household size ↗

    Beta handling: Organizes household facts for a consultation. It is not a legal household-size determination.

  4. What is the total gross household income per month?

    Answers: Less than $4,000; $4,000–$6,000; $6,000–$8,000; $8,000–$10,000; $10,000–$12,000; $12,000–$14,000; $14,000–$16,000; or $16,000 or more.

    PDF branch: Every choice continues to Question 5. The PDF then proposes an annualized median-income check.

    PDF video: Gross household income ↗

    Beta handling: The beta preserves the income band as context. It does not multiply it by twelve, perform a means test or use a dated median table.

  5. Do you own a home?

    Answers: Yes or no.

    PDF branch: No goes to Question 6. Yes asks whether mortgage payments are current, then asks how much equity may be in the home.

    PDF video: Home, mortgage and equity ↗

    Beta handling: Past-due payments can affect the discussion path. Equity adds a property-review question but does not establish an exemption.

  6. Do you have a vehicle?

    Answers: Yes or no.

    PDF branch: No goes to Question 7. Yes asks whether car payments are current, then asks how much equity may be in the vehicle.

    PDF video: Vehicle, loan and equity ↗

    Beta handling: Past-due payments can affect the discussion path. Equity adds a property-review question but does not establish an exemption.

  7. Do you have any other significant assets?

    Answers: Yes or no.

    PDF branch: No goes to Question 8. The PDF associates Yes with an assets video.

    PDF video: Other significant assets ↗

    Beta handling: Raises the priority of a complete property review without deciding what is protected.

  8. Do you owe any taxes?

    Answers: Yes or no.

    PDF branch: No goes to Question 9. The PDF associates Yes with a tax-complications video.

    PDF video: Taxes ↗

    Beta handling: Adds tax-specific preparation and keeps debt treatment unresolved.

  9. Do you owe any child support or alimony?

    Answers: Yes or no.

    PDF branch: No goes to Question 10. The PDF associates Yes with a domestic-support-obligation video.

    PDF video: Child support or alimony ↗

    Beta handling: Adds support-specific preparation and keeps debt treatment unresolved.

  10. Do you owe any student loans?

    Answers: Yes or no.

    PDF branch: No goes to Question 11. The PDF associates Yes with a student-loan video.

    PDF video: Student loans ↗

    Beta handling: Adds student-loan preparation and keeps debt treatment unresolved.

  11. Do you owe credit cards, personal loans, lines of credit, medical bills or other unsecured debt?

    Answers: Yes or no.

    PDF branch: Either answer completes the numbered questions. The PDF associates Yes with an unsecured-debt video and then moves to the report.

    PDF video: Unsecured debt ↗

    Beta handling: Adds ordinary-unsecured-debt preparation. The category alone does not establish discharge or chapter eligibility.

The six conditional follow-ups belong to Questions 1, 2, 5 and 6. No separate goal or income-regularity question is part of the PDF-derived V2 questionnaire. The interactive lab exposes additional invented graph context separately so the decision engine can be reviewed without presenting those fields as source questions.

The deterministic chapter discussion tree

The first matching branch sets what to discuss first. A discussion starting point is not eligibility or a filing recommendation. Beta V2 sends the answers it actually displays and leaves unasked goal, urgency and income-pattern context unknown; the workflow lab exposes those extra engine fields for testing.

  1. Earlier bankruptcy reported: Review the earlier case before ranking chapters. The chapter, filing date, disposition and discharge history still need individual review.
  2. Required discussion fact missing or invalid: Clarify the fact first. Missing is never changed to no, zero or a reassuring assumption.
  3. Student loans, taxes, support or another special debt selected: Compare both chapters with debt-specific advice because the debt label alone does not show what will remain.
  4. Property answers conflict or both secured loans are behind: Compare both chapters and resolve the property facts before placing one chapter first.
  5. Regular income, one matching secured loan behind and a goal to keep that property: Start by discussing Chapter 13 and whether ongoing and plan payments could be sustained.
  6. Only ordinary unsecured debts, a debt-relief goal, no secured arrears and no earlier case: Start by discussing Chapter 7, while preserving separate eligibility and property review.
  7. No current income and a goal to keep property that is behind: Review payment feasibility before treating a Chapter 13 plan as workable.
  8. Any other supported combination: Compare Chapter 7, Chapter 13 and nonbankruptcy options without forcing a chapter label.

Household size, the gross-income band, equity and the eight-year timing range never produce a legal verdict. They organize facts for review. A real means test, applicable exemptions and prior-case timing require more information and current law.

What the issue report can say

Show the reported issues

The report can flag an earlier case, property or payment concerns, other assets, taxes, support, student loans and unsecured debt.

Keep legal conclusions open

The PDF's short answers cannot establish eligibility, exemptions, waiting periods, discharge or whether someone should file.

Clarify before choosing

Unknown or invalid facts remain visible. The graph does not fill gaps with assumptions or hidden consumer answers.

Point toward qualified help

The report provides questions and records for a consultation. It does not collect a ZIP Code, match an attorney or certify a case as simple.

The attachment leaves the report unfinished. Its only report heading is “ISSUE REPORT?” followed by an attorney-search note and disclaimer text. The structured result shown in the beta is therefore a bounded implementation choice, not a report design copied from the PDF.

The eight LangGraph nodes

A node is one controlled step. State is the validated information carried between steps, and an edge points to the next step.

  1. Check the answers and keep urgent concerns

    Accept only supported structured values. Unknown stays unknown, and a valid urgent concern survives another invalid answer.

    validate_and_preserve_urgency

  2. Load enabled capabilities

    The trusted runtime enables a budget snapshot and educational guidance. No eligibility, exemption or discharge rule pack is enabled.

    load_capabilities

  3. Plan supported calculations

    Decide which optional budget comparisons have enough information and prevent a payment from being counted twice.

    plan_supported_work

  4. Calculate the optional snapshot

    Use integer-cent arithmetic for take-home income, expenses and separately reported payments. This calculation does not choose a chapter.

    calculate_snapshot

  5. Record the legal limits

    Keep means-test eligibility, property protection, debt treatment and filing advice explicitly unresolved.

    record_legal_limits

  6. Build the issue list and discussion path

    Apply fixed TypeScript branches to the validated goals, debts, income pattern, arrears, earlier case and other reported concerns. Add matching consultation questions.

    assemble_findings

  7. Assemble the public result

    Return urgent warnings, the discussion starting point, issue list, next steps, reliable reading and limitations.

    render_result

  8. Check the result contract

    Reject malformed output instead of displaying stale, raw or guessed information.

    validate_public_result

What this version deliberately does not do

  • It does not collect a name, email, phone number, Social Security number, account number or documents.
  • It does not multiply the income band by twelve or compare it with a median-income table.
  • It does not apply state or federal exemption amounts to the reported equity.
  • It does not turn “more or less than eight years” into a filing or discharge waiting-period answer.
  • It does not determine discharge, calculate a Chapter 13 payment or promise that property can be kept.

The result instead explains what remains unresolved and what records or questions could make a professional consultation more useful.

Where LangChain fits

LangGraph organizes the process. It runs the eight named nodes and carries fresh state from one node to the next. Ordinary TypeScript performs every calculation and branch.

The interactive workflow lab is a review tool. It bundles the same LangGraph library and engine source so Matt and Jimmy can change invented answers, inspect the projected state and compare a draft graph with the current baseline. It does not call the public Checkup server or save consumer answers.

Open the interactive workflow lab or return to Bankruptcy Checkup Beta V2.