UNITED STATES BANKRUPTCY COURT

DISTRICT OF RHODE ISLAND

CHAPTER 7 VOLUNTARY PETITION PACKAGE

(Master Template – For Attorney Use & Customization)

[// GUIDANCE: This integrated template tracks the required Official Bankruptcy Forms, the Federal Rules of Bankruptcy Procedure, and the Local Rules of the United States Bankruptcy Court for the District of Rhode Island (“D.R.I.”). It is drafted for individual debtors; replace Form 101 with Form 201 for non-individuals. ALWAYS confirm that you are filing the most current version of each Official Form and any updated Local Forms before filing.]

TABLE OF CONTENTS

1. Document Header
2. Definitions
3. Voluntary Petition (Official Form 101)
4. Schedules Summary (Official Form 106Sum)
5. Schedule A/B - Property (Official Form 106A/B)
6. Schedule C - Exempt Property (Official Form 106C – Rhode Island Custom)
7. Schedules D–H (Official Forms 106D, 106E/F, 106G, 106H)
8. Schedule I – Income (Official Form 106I)
9. Schedule J – Expenses (Official Form 106J)
10. Statement of Financial Affairs (Official Form 107)
11. Statement of Intention (Official Form 108)
12. Chapter 7 Means Test (Official Forms 122A-1, 122A-1Supp, 122A-2)
13. Local Rule & Trustee Compliance Checklist
14. Execution Blocks & Declarations

1. DOCUMENT HEADER

UNITED STATES BANKRUPTCY COURT
District of Rhode Island

In re: [DEBTOR FULL LEGAL NAME],
Debtor.

Chapter: 7
Case No.: To be assigned

Date Petition Filed: [MM/DD/YYYY]
Counsel of Record: [FIRM NAME / BAR NO.]

2. DEFINITIONS

“Bankruptcy Code” – Title 11 of the United States Code, 11 U.S.C. §§ 101 et seq.
“Bankruptcy Court” – The United States Bankruptcy Court for the District of Rhode Island.
“Debtor” – The individual (or joint individuals) filing this Chapter 7 petition.
“Petition Date” – The date the Voluntary Petition is filed with the Clerk.
“Trustee” – The Chapter 7 panel trustee appointed under 11 U.S.C. § 701.
“Exempt Property” – Property claimed exempt under 11 U.S.C. § 522 or R.I. Gen. Laws § 9-26-4.

3. VOLUNTARY PETITION (OFFICIAL FORM 101)

[PLACEHOLDER — Insert current Official Form 101 verbatim and populate the following key fields:]

A. Debtor Information
- Name: [First Middle Last]
- Other Names (Past 8 Years): [N/A or list]
- SSN (last 4 digits): [____]
- Address: [Street, City, RI ZIP]
- County: [Providence / Kent / etc.]

B. Attorney Information
- Name / Firm / Bar No.: [______]
- Phone / Email / Address: [______]

C. Chapter Selection
☑ Chapter 7

D. Statistical / Administrative Information
- Nature of Debts: ☐ Consumer ☐ Business
- Estimated Assets / Liabilities Ranges: [Check boxes]

E. Signature Blocks
- Debtor Declaration under Penalty of Perjury
- Attorney Certification (Fed. R. Bankr. P. 9011)

[// GUIDANCE: Attach the “Notice Required by 11 U.S.C. § 342(b) for Individual Consumer Debtors” (Official Form 2010) immediately behind Form 101 to comply with § 342(b).]

4. SCHEDULES SUMMARY (OFFICIAL FORM 106Sum)

Populate totals ONLY after completing Schedules A/B–J. Verify mathematical accuracy; discrepancies are a common basis for trustee inquiry.

5. SCHEDULE A/B – PROPERTY (OFFICIAL FORM 106A/B)

[List all real and personal property with estimated current value.]

Examples:
1. Residence – 123 Main St., Providence, RI – $[VALUE]
2. Checking – BankRI Acct. xxxx – $[VALUE]
…

[// GUIDANCE: Rhode Island trustees generally require two (2) months of bank statements for every account listed.]

6. SCHEDULE C – EXEMPT PROPERTY (OFFICIAL FORM 106C – RHODE ISLAND CUSTOM)

Debtor elects: ☐ Federal exemptions (11 U.S.C. § 522(d))
☐ Rhode Island state exemptions (R.I. Gen. Laws § 9-26-4)

[// GUIDANCE: If electing state exemptions, attach “Rhode Island Exemption Worksheet” (local form LF 106C-RI) as an addendum for trustee clarity.]

7. SCHEDULES D–H

A. Schedule D – Secured Claims (Official Form 106D)
B. Schedule E/F – Unsecured Claims (Official Form 106E/F)
C. Schedule G – Executory Contracts & Unexpired Leases (Official Form 106G)
D. Schedule H – Codebtors (Official Form 106H)

[PLACEHOLDER tables for each schedule with debtor-specific data.]

8. SCHEDULE I – INCOME (OFFICIAL FORM 106I)

Debtor Employment: [Employer / Position / Length]
Monthly Gross Income: \$[_____]
Payroll Deductions: [Itemize]
Net Monthly Income: \$[_____]

9. SCHEDULE J – EXPENSES (OFFICIAL FORM 106J)

List reasonable and necessary expenses; reconcile with Schedule I to calculate “Monthly Net Income.”

[// GUIDANCE: RI trustees scrutinize any single household expense exceeding regional IRS standards by >20 %. Provide explanation in Part 2, line 23 if applicable.]

10. STATEMENT OF FINANCIAL AFFAIRS (OFFICIAL FORM 107)

Answer every question 1-28; use “Additional Page” continuation sheets as needed. Common local flags:

• 1-Year income history must reconcile with means test.
• Disclose any prior RI state court garnishments (attach case numbers).

11. STATEMENT OF INTENTION (OFFICIAL FORM 108)

12. CHAPTER 7 MEANS TEST

A. Form 122A-1 – Statement of Current Monthly Income
B. Form 122A-1Supp – Statement of Exemption from Presumption of Abuse (if applicable)
C. Form 122A-2 – Means Test Calculation

[// GUIDANCE: For RI, use the census bureau median income figures corresponding to the “1st Quartile of the filing year quarter” in effect on the Petition Date.]

13. LOCAL RULE & TRUSTEE COMPLIANCE CHECKLIST

☑ Creditor Mailing Matrix in text-only .txt format (D.R.I. LBR 1007-1).
☑ Declaration Regarding Electronic Filing (Local Form LF5005-4).
☑ Statement About Your Social Security Numbers (Official Form 121).
☑ Pre-petition Credit Counseling Certificate (11 U.S.C. § 109(h)).
☑ Pay-Advice Cover Sheet (D.R.I. LBR 1007-1(d)); attach last 60 days of pay stubs or “Affidavit of No Pay Advices.”
☑ Tax Return (most recent) to trustee no later than 7 days before § 341 meeting (11 U.S.C. § 521(e)(2)).

14. EXECUTION BLOCKS & DECLARATIONS

A. Debtor Declaration (incorporated in each Official Form) – SIGN HERE
Debtor Signature: _____ Date: //______

B. Joint Debtor (if any): ____ Date: _//___

C. Attorney for Debtor: ____ Date: //______
Printed Name: [______]
RI Bar No.: [______]

[// GUIDANCE: For in-person filings, petitions must be accompanied by the court-issued “Bar-coded Petition Face Sheet” to facilitate intake scanning. For CM/ECF e-filers, use the “Opening Voluntary BK Case” event and upload PDFs in the sequence established above.]

GOVERNING LAW, VENUE & NOTICES

1. Governing Law. This bankruptcy proceeding is commenced under 11 U.S.C. §§ 301 & 701 et seq.; all rights and obligations are determined exclusively by federal bankruptcy law and applicable non-bankruptcy law.
2. Exclusive Forum. Any contested matter or adversary proceeding arising in or related to this Chapter 7 case shall be adjudicated by the United States Bankruptcy Court for the District of Rhode Island.
3. Automatic Stay Notice. Upon filing, the automatic stay provided by 11 U.S.C. § 362 is in effect, enjoining most collection actions.
4. Jury Trial. The Bankruptcy Court has limited jury trial availability pursuant to 28 U.S.C. § 157(e); parties must expressly consent and obtain court designation.
5. Injunctive Relief. Relief from the automatic stay must be sought by motion under Fed. R. Bankr. P. 4001.

FINAL PRACTICE NOTES

[// GUIDANCE:
• Carefully review the trustee’s “Initial Document Production Checklist” upon appointment—Rhode Island trustees often request bank statements through the Petition Date, vehicle titles, and real estate deed copies.
• Calendar all deadlines: (i) Means-test documents—14 days; (ii) Schedules & SOFA—14 days if not filed with petition; (iii) Reaffirmation agreements—60 days after first § 341 meeting.
• Confirm exemption elections: Rhode Island permits EITHER state OR federal exemptions; inconsistent citations invite objections under Fed. R. Bankr. P. 4003(b).
• Protect personally identifiable information—redact all but the last 4 digits of SSN, account numbers, and minors’ names (Fed. R. Bankr. P. 9037).]

(End of Master Template)