Bankruptcy · LendEasy Docs

Intake bankruptcy signals, verify case and debt scope, enforce review-safe restrictions, monitor court-state changes, and preserve the evidence behind every contact decision.

A bankruptcy mention is a high-risk signal, not a self-proving legal status. LendEasy immediately preserves the signal and restricts configured actions while a specialist verifies filing, debtor, chapter, court, case number, filing time, affected obligations, counsel, and source evidence.

Lifecycle

LifecycleBankruptcy matter

SIGNAL RECEIVEDchannel and exact evidence preserved

VERIFICATIONidentity, court case, scope, and timing reviewed

RESTRICTEDapproved action matrix enforced

MONITORINGfiling, dismissal, conversion, discharge, or relief tracked

RESOLVEDcurrent court state and continuing controls recorded

VERIFICATION→NOT MATCHEDsignal does not match the customer or obligation

MONITORING→VERIFICATIONconflicting or incomplete source update

Intake facts

Fact	Why it cannot be guessed
Debtor identity and joint filing	Similar names do not establish customer match.
Court, case number, chapter, petition time	Determines the matter and timeline being monitored.
Loan and collateral scope	A customer-level signal may affect obligations differently.
Attorney or trustee contact	Authority and representation scope require evidence.
Source document and hash	Later decisions must trace to what was actually received.
Verification time and actor	Distinguishes intake signal from reviewed status.

Documents enter through controlled upload, malware scan, classification, and specialist review. A free-text note is not the bankruptcy record.

Restriction matrix

Verification applies typed holds on the Lending Core rather than a vague bankruptcy=true flag—here, customer 412 with the Harbor loan in scope:

{
  "items": [
    {
      "restrictionId": 41,
      "restrictionType": "COLLECTIONS_HOLD",
      "loanRef": "7204",
      "active": true,
      "source": "case:case_HBR_BANKRUPTCY_3",
      "effectiveAt": "2027-06-03T14:00:00Z"
    },
    {
      "restrictionId": 42,
      "restrictionType": "COMMUNICATION_HOLD",
      "active": true,
      "source": "case:case_HBR_BANKRUPTCY_3",
      "effectiveAt": "2027-06-03T14:00:00Z"
    }
  ]
}

Compliance policy expands the holds into action-level controls—collections contact blocked, required notices individually evaluated, fee assessment blocked, outbound funding blocked—and counsel-approved policy determines that matrix and its exceptions. The U.S. Courts overview explains the general distinction between the automatic stay and discharge; the platform does not infer their legal scope from a case label alone.

Execution-time enforcement

A call that was queued before the filing signal is re-evaluated at dial time. When the new restriction blocks it, LendEasy records a blocked attempt—without placing the call. The same gate applies independently to messages, fees, payment requests, funding, schedule actions, statements, and reporting/furnishing actions according to the configured matrix.

State reconciliation

Bankruptcy state may arrive from documents, a specialist, court-data provider, or your core. LendEasy retains source, as-of, observed-at, confidence, and contradictions. Conflicting sources create review work; they do not silently lift a control.

source state + evidence + freshness
       ↓
specialist decision
       ↓
typed restriction applied or cleared
       ↓
continuous drift detection against authoritative systems

Resolution is not deletion

Dismissal, discharge, conversion, relief, or “not matched” each closes work differently. Clearing a temporary review hold is an explicit, prospective action whose evidence lives on the governing case. Continuing discharge, representation, or other controls can survive case closure. Historical restrictions, decisions, blocked attempts, and source documents remain auditable.

Never resume outreach merely because a projected date passed or a case was marked closed. Require a verified current state and an explicit, permitted restriction transition.