Trackmint User Flows — Bankruptcy Law Pack (Chapter 7 & Chapter 13)

Date: July 18, 2026 · Companion to the use cases (doc 08) and the PRD (doc 05).

These ten flows walk one small consumer-bankruptcy firm through Trackmint’s Legal pack: a solo attorney (bills $250/h, or flat fee on consumer cases) and her paralegal ($95/h). Two clients carry the story: T. Nguyen, a Chapter 7 debtor on a $1,500 flat fee, and M. Rivera, a Chapter 13 debtor with a repayment plan.

The pack is the same engine as the dev pack, renamed: the Matter Board runs Intake → In Progress → Attorney Review → Filed/Done; cards are matter tasks; timers, rates, matter budgets, invoices, and payments come from the billing engine; and the Advanced-tier AI scans client documents into official bankruptcy forms — B101 petition, the B106 schedules (including 106I income), the B107 Statement of Financial Affairs, the B122A-2 means test for Chapter 7 or B122C for Chapter 13, and the creditor matrix.

Two rules hold in every flow. The attorney reviews and approves everything the AI produces — nothing reaches an official form without her sign-off. And Trackmint prepares documents; the attorney files them: every packet ends in “Export for filing,” because CM/ECF e-filing is roadmap, not shipped.

BK-01 — New client intake - Actor: Paralegal, then attorney. - Trigger: T. Nguyen calls after a free consult and retains the firm for a Chapter 7. - Steps: 1. Paralegal taps + New Matter on the Matter Board and picks the Chapter 7 template; a card “Nguyen — Ch. 7” appears in the Intake column. 2. On the matter screen she enters client contact details, sets billing to Flat fee — $1,500, and Trackmint creates the matching matter budget bar. 3. The Ch. 7 template seeds matter tasks automatically: “Client doc collection,” “Means test,” “Petition prep,” “341 meeting prep.” 4. She opens Documents (AI) → Request documents and selects the Chapter 7 checklist: 6 months of pay stubs, last two years’ tax returns/W-2s, 6 months of bank statements, ID, and credit counseling certificate. 5. She taps Send request; Nguyen gets an email/SMS link to a simple upload page — no account or password required. 6. The attorney glances at the board, sees the new card in Intake with its task list, and assigns “Means test” to herself. - Outcome: A live Chapter 7 matter with a flat-fee budget, seeded tasks, and a document request already in the client’s pocket. - Tier: Basic (Mid for the budget bar). - Why competitors fail here: Best Case has no native client portal at all, so intake starts with the client mailing or hand-carrying paper.

BK-02 — Client document collection - Actor: Client (T. Nguyen), monitored by the paralegal. - Trigger: Nguyen opens the document-request link on his phone. - Steps: 1. Nguyen sees his checklist with clear items (“Pay stubs — last 6 months”) and taps Upload on each, photographing pay stubs and pulling bank-statement PDFs from his banking app. 2. Each upload lands in the Nguyen matter’s Documents (AI) tab, auto-labeled by type; checklist items flip from red to green. 3. Three days later two items are still red (W-2, counseling certificate); Trackmint sends Nguyen an automatic reminder — no paralegal nagging required. 4. The paralegal watches the checklist from the matter card; a badge shows “5 of 7 received.” 5. One pay-stub photo is too blurry to read; she taps Reject with note (“Please retake — bottom half cut off”), and Nguyen gets the request instantly. 6. When the last item turns green, the card’s “Client doc collection” task auto-completes and the matter is flagged Ready to scan. - Outcome: A complete, legible document set collected from the client’s phone with zero chasing by phone or mail. - Tier: Advanced. - Why competitors fail here: Best Case switchers name the missing client portal as a top reason to leave — and its support collapse means nobody helps them work around it.

BK-03 — AI extraction review - Actor: Attorney (paralegal does the first pass). - Trigger: The Nguyen matter shows Ready to scan; the paralegal taps Scan documents. - Steps: 1. The AI reads the W-2, six pay stubs, and bank statements, and opens the Extraction Review screen: every extracted field with a value, a confidence score, and a source link. 2. High-confidence fields (employer name, 98%; payroll deductions, 95%) show green; the paralegal spot-checks a few by tapping the source link, which opens the exact pay stub with the figure highlighted. 3. One field is red: gross monthly income at 61%, because the W-2 annualized figure conflicts with the 6-month pay-stub average (overtime ended in January). 4. The conflict view shows both numbers side by side with their sources; the attorney opens it, confirms the pay stubs reflect current income, and taps Use pay-stub average, adding a note for the file. 5. A second flag — recurring $410 bank deposits tagged as possible side income (64%) — she confirms as rideshare income after a quick call to Nguyen. 6. She taps Approve extraction; only now are the values available to fill any form. Nothing the AI read touches an official form without this sign-off. - Outcome: A verified, source-traced data set for the Nguyen case, with every judgment call made by the attorney and recorded. - Tier: Advanced. - Why competitors fail here: NextChapter makes staff key the same data twice into different sections; Best Case has no AI extraction to review in the first place.

BK-04 — Chapter 7 means test - Actor: Attorney. - Trigger: Approved extraction on the Nguyen matter; the seeded “Means test” task is up. - Steps: 1. From the matter she opens Forms → Means Test (Form B122A-2); Trackmint pre-fills current monthly income from the approved 6-month average of pay stubs plus the confirmed rideshare income. 2. The screen shows the math in plain sight: each income line traces back to its source documents (“← pay stubs, 6-mo avg”). 3. Trackmint compares the result to the applicable state median for Nguyen’s household size and shows the outcome banner: Below median — no presumption of abuse, so Part 2 expense deductions aren’t required. 4. The attorney reviews every line, adjusts one entry the AI couldn’t know (a recent job change she learned of on the phone), and taps Approve form. 5. Had Nguyen been above median, the same screen would continue into the B122A-2 expense deductions — with the attorney supplying and approving the deduction figures. 6. The completed B122A-2 attaches to the matter, and she starts the timer while working so the analysis time is captured against the flat fee. - Outcome: An attorney-approved B122A-2 with a clear above/below-median result, ready for the petition packet. - Tier: Advanced. - Why competitors fail here: Glade automates means tests but tracks no attorney time, so the firm never learns what the analysis actually cost against the fee.

BK-05 — Build the Ch. 7 petition packet - Actor: Attorney, with paralegal assembly. - Trigger: Extraction approved, means test done; the “Petition prep” card moves to In Progress. - Steps: 1. The paralegal opens Forms → Petition packet on the Nguyen matter and taps Assemble; Trackmint fills the B101 Voluntary Petition, the B106 schedules (A/B property through J expenses, including the 106I income schedule from BK-03), the B107 Statement of Financial Affairs, and the creditor matrix, all from the approved data set. 2. Any field the AI couldn’t source is highlighted amber and listed in a Gaps panel; the paralegal resolves each (asking Nguyen through the portal where needed). 3. She drags the card to Attorney Review; the attorney gets the review checklist — every form, every flagged field, signature blocks, and exemption elections to confirm. 4. The attorney walks the checklist form by form, edits two exemption entries, and ticks each item; the Approve packet button stays disabled until the checklist is complete. 5. She taps Approve packet, then Export for filing — a court-ready PDF set plus the creditor matrix in the district’s required format download to her machine. 6. She files the case herself through CM/ECF (Trackmint prepares; the attorney files — direct e-filing is on the roadmap), enters the case number on the matter, and drags the card to Filed/Done. - Outcome: A complete, attorney-approved Chapter 7 packet exported for filing, with the board reflecting reality. - Tier: Advanced. - Why competitors fail here: PracticePanther has no AI document prep at all — its own users call the templates “ridiculous” — and no board to show where the petition stands.

BK-06 — Chapter 13 plan case - Actor: Attorney; paralegal maintains the plan tasks. - Trigger: M. Rivera, above median income, retains the firm for a Chapter 13. - Steps: 1. The paralegal creates “Rivera — Ch. 13” from the Chapter 13 template; document collection and extraction run as in BK-02/BK-03. 2. The attorney opens Forms → B122C; Trackmint fills the Chapter 13 statement of current monthly income and commitment-period calculation from the approved data, showing the resulting 60-month applicable commitment period. 3. She reviews and approves the form, then records the proposed monthly plan payment ($485) on the matter. 4. She taps Create plan schedule; Trackmint generates recurring matter tasks — “Rivera — confirm plan payment received” — one per month across the plan, assigned to the paralegal. 5. The petition packet assembles and exports exactly as in BK-05 (B101, B106 schedules, B107, matrix, plus the district’s plan form the attorney completes and approves), and the attorney files it herself. 6. Each month the paralegal ticks the task after checking the trustee’s records and flags any missed payment to the attorney; the matter card shows plan-payment status at a glance for the life of the case. - Outcome: A filed Chapter 13 with its multi-year payment cadence living on the same board as everything else, not in someone’s memory. - Tier: Advanced (recurring tasks: Basic). - Why competitors fail here: NextChapter users call its Chapter 13 module immature and plan revisions painful, on top of re-keying data between sections.

BK-07 — 341 meeting prep - Actor: Attorney and paralegal. - Trigger: The court sets Nguyen’s 341 meeting of creditors for 30 days out. - Steps: 1. The paralegal enters the date on the matter; Trackmint adds it to the matter timeline and creates a “Nguyen — 341 meeting prep” task (type: Hearing Prep) due one week before. 2. The template checklist inside the task lists the essentials: confirm client’s government ID and Social Security proof, recent pay stubs and bank statement for the trustee, and a client prep call. 3. The paralegal works the checklist, logging her time at $95/h; the client prep-call reminder goes to Nguyen through the portal. 4. The attorney reviews the file the day before from the matter timeline — petition, schedules, and the extraction notes from BK-03 in one place. 5. At the meeting she taps ▶ Start timer on her phone as it begins and stops it after; travel and appearance time land on the matter automatically. 6. Afterward she marks the task done with a note (“concluded, no continuance”), visible on the card in Filed/Done. - Outcome: A prepared client and attorney, with hearing time captured the moment it happened instead of reconstructed later. - Tier: Mid. - Why competitors fail here: PracticePanther’s mobile timers famously reset themselves to zero — the exact failure mode for time captured at a courthouse.

BK-08 — Flat-fee budget protection - Actor: Attorney. - Trigger: The Nguyen matter’s budget bar turns amber at 80% of the $1,500 flat fee. - Steps: 1. Time & Billing shows every matter’s budget bar; Nguyen’s reads $1,205 of $1,500 (amber), driven by the effective value of logged hours at each person’s rate. 2. The attorney taps the bar to see the breakdown: extraction review 1.2h, means test 1.5h, petition assembly 2.0h (paralegal), 341 prep 2.6h. 3. She sees the remaining work (341 follow-up, discharge monitoring) fits inside the remainder only if the paralegal, not she, handles routine follow-ups — so she reassigns those tasks on the board at the $95/h rate. 4. A creditor letter arrives that would mean real extra work; because she can see the budget position, she scopes it as out of the flat fee and records a separate hourly engagement at $250/h on its own task. 5. The bar stays amber but never red; if it had crossed 100%, the card and Time & Billing would both show red so the overrun is a decision, not a surprise. - Outcome: The firm finishes the flat-fee case inside the fee, and out-of-scope work becomes billable instead of silently eaten. - Tier: Mid. - Why competitors fail here: A real PracticePanther complaint: flat-fee billing is an afterthought with “no way to check whether you are about to exceed the budget.”

BK-09 — Billing & getting paid - Actor: Attorney; client pays. - Trigger: Nguyen’s engagement letter calls for the common consumer-bankruptcy structure — the flat fee paid in installments. - Steps: 1. On Invoices, the attorney opens the Nguyen matter and taps New invoice → Payment plan; she sets $500 down plus two monthly installments of $500. 2. Trackmint generates the invoice against the $1,500 flat-fee matter (the separate hourly engagement from BK-08 becomes its own invoice from its logged hours at $250/h). 3. She taps Send; Nguyen gets each installment with an online card/ACH payment link, and reminders go out automatically before each due date. 4. Payment status is visible in-app the moment money moves — no guessing when the processor will deposit. 5. When installment two is late, the Invoices screen flags it; one tap re-sends the payment link rather than starting a collections letter. 6. On the Rivera matter, the same screen tracks the attorney-fee installments alongside the plan tasks from BK-06, so fees and case status live in one view. - Outcome: The fee arrives in installments the client can actually pay, with status the firm can see without calling anyone. - Tier: Mid. - Why competitors fail here: PracticePanther users wait “almost a week” for PantherPayments deposits and can’t see status; Glade collects payments but can’t bill the hourly side work at all.

BK-10 — Post-filing follow-ups - Actor: Paralegal, then attorney. - Trigger: Two events after filing: a court notice arrives, and Nguyen remembers a debt he forgot to list. - Steps: 1. The court’s notice (deadline for objections) arrives; the paralegal uploads it to the Nguyen matter and taps Create task from document — a dated follow-up task appears on the timeline and the card. (Automatic notice ingestion from court records is roadmap; today the notice is uploaded.) 2. Nguyen calls: he forgot a $2,300 medical bill. The paralegal requests the collection letter through the portal; he photographs it from his phone. 3. She taps Scan documents; the AI extracts creditor name, address, amount, and account number, and the attorney approves the extraction as in BK-03. 4. On Forms, the paralegal opens the affected schedule and taps Refill; Trackmint regenerates the amended Schedule E/F (Form 106E/F) and updates the creditor matrix with the new creditor — no re-keying the whole schedule. 5. The attorney reviews the amended schedule against the review checklist, approves it, and taps Export for filing; she files the amendment herself through CM/ECF and logs the amendment task done. 6. The matter card in Filed/Done now carries the amendment history, the notice deadline, and the discharge-watch task — nothing post-filing lives outside the board. - Outcome: A court notice becomes a tracked deadline and a forgotten debt becomes a filed amendment in one sitting, not a week of paper shuffling. - Tier: Advanced (tasks: Basic). - Why competitors fail here: Jubilee users report they can’t file amended schedules from the tool at all; NextChapter’s re-keying makes every amendment a double-entry chore.

Summary

Across all ten: the AI drafts, the attorney approves; Trackmint prepares and exports court-ready documents, and the attorney files them — CM/ECF e-filing stays on the roadmap until it ships.