{"meta":{"key":"r038--correction-01","task":"R038","title":"Consumer bankruptcy: targeted evidence supplement","parent_title":"Consumer bankruptcy","edition":"correction-01","path":"/research/r038--correction-01/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[38],"groups":["ways-forward"],"date":"2026-10-23","tables":6,"claims":14,"sources":19,"review_status":"revise","review_complete":true,"sha256":"0414f444f2b6ead1ae303e5d5a159b3b7eb659413e5b59287365661ee2debbd3","headings":["1. Confirmed findings and evidence status","2. Recovered source register — nine original identities","2.1 S031 and S033 — precise unresolved identities","3. Supplemental authority register","3.1 February 25, 2025 erratum — exact correction","3.2 Future-effective authority — source discrepancy","4. Claim/evidence register — replacement and supplemental rows","4.1 December 2026 fee changes — verified item-level figures","5. Granular coverage update","6. Publication holds and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R038/correction-01","facets":{"geography":["us"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"","pending_corrections":0},"markdown":"# R038 — Targeted Evidence Supplement\n\nSettleADebt.com · Area A038 Consumer Bankruptcy · Baseline October 22, 2026, America/Los_Angeles · Scoped supplement to the original 38-source, 74-claim, 59-coverage-row investigation\n\n## 1. Confirmed findings and evidence status\n\nThe DOJ's February 17, 2026 notice confirms that designation of Chapter 7 and Chapter 13 cases for debtor audits resumed effective February 20, 2026, after a suspension of new audit designations in June 2025. The separate statutory duty to cooperate with an applicable audit should not be confused with a claim that every bankruptcy petition is audited. United States Department of Justice+1\n\nThe U.S. Courts pending-amendments page identifies Bankruptcy Rules 1007, 3018, 5009, 9006, 9014, 9017 and new Rule 7043 in the December 1, 2026 package. At the October 22 baseline, these are future-effective amendments, not rules already operative merely because the Supreme Court transmitted them. The same page separately identifies changes to Official Forms 101 and 106C scheduled for December 1, 2026. uscourts.gov+1\n\nThe CFPB's official withdrawn-guidance list includes its 2023-01 bulletin concerning unfair billing and collection after bankruptcy discharge of certain student loans, withdrawn May 12, 2025. That withdrawal affects the bulletin's guidance status; it does not repeal the Bankruptcy Code's discharge injunction or the Fair Debt Collection Practices Act. Consumer Financial Protection Bureau\n\nThe coordinator's subsequent official-source verification also resolves the selected current petition-fee arithmetic:\n\n| Chapter | Statutory base | Administrative fee | Trustee fee | Current total |\n| --- | --- | --- | --- | --- |\n| Chapter 7 | $245 | $78 | $15 | $338 |\n| Chapter 13 | $235 | $78 | $0 | $313 |\n\nThese totals apply to the selected October 22, 2026 fee baseline, not automatically to the future December 1 schedule. The original statutory and administrative source identities R038-S013 and R038-S012 remain intact.\n\n## 2. Recovered source register — nine original identities\n\nAccess convention: “Opened” means the actual page or document was retrieved and its relevant passage read in this supplement. “Discovery only” means a source was identified without verification of the necessary underlying proposition. All new live retrievals below occurred on October 22, 2026 Pacific. Historical source IDs are preserved.\n\n| Original source ID | Authority, issuer, URL and exact pinpoint | Version / jurisdiction / rule status | Actual access and limitation |\n| --- | --- | --- | --- |\n| R038-S014 | DOJ USTP, [USTP to Resume Debtor Audits](https://www.justice.gov/ust/notice/ustp-resume-debtor-audits-0?utm_source=chatgpt.com), notice dated February 17, 2026; [Debtor Audit Information](https://www.justice.gov/ust/debtor-audit-information?utm_source=chatgpt.com), introductory paragraphs and February 2026 notice | Federal Chapter 7/13; designation resumed February 20, 2026 | Opened/read. Actual official notice recovered. July standards are separately covered by S006–S008, not by the audit-resumption notice. |\n| R038-S020 | CFPB, [How long does information stay on my credit report?](https://www.consumerfinance.gov/ask-cfpb/how-long-does-information-stay-on-my-credit-report-en-323/?utm_source=chatgpt.com), “Negative information,” lines 34–44 | Last reviewed September 2, 2026; federal consumer-reporting explanation | Opened/read. Confirms generally seven years for most negative information and up to ten years for bankruptcy, subject to stated exceptions. Underlying FCRA remains original S019. |\n| R038-S022 | CFPB, [Can a debt collector try to collect on a debt that was discharged in bankruptcy?](https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-try-to-collect-on-a-debt-that-was-discharged-in-bankruptcy-en-1425/?utm_source=chatgpt.com), lines 20–27 | Last reviewed August 24, 2022; page modified March 12, 2024; federal agency guidance | Opened/read. Supports general stay/discharge explanation and surviving collateral rights, but does not establish every statutory exception. Withdrawn-guidance review performed separately. |\n| R038-S031 | Original description: Central/Eastern California bankruptcy-court opinions on opt-out; §522 discussion | Historical judicial authority; California | Unresolved identity. No particular case name, docket, reporter citation or actual opinion URL was established. No opinion is treated as opened. |\n| R038-S033 | Original description: AllLaw federal-exemption choice-state list | Secondary nationwide classification | Unresolved exact page identity. No complete matching list was verified. Discovery-only classification cannot support publication of a complete state list. |\n| R038-S034 | U.S. Courts, [Pending Rules and Forms Amendments](https://www.uscourts.gov/forms-rules/pending-rules-and-forms-amendments?utm_source=chatgpt.com), “December 1, 2026,” lines 570–589; form footnote lines 590–604 | Federal; proposed/future-effective as of October 22, 2026 | Opened/read. Official package index recovered. Individual package PDFs not all read; future implementation must be checked. |\n| R038-S035 | U.S. Bankruptcy Court, Southern District of Georgia, [Rules, Forms and Fees Changes](https://www.gasb.uscourts.gov/news/bankruptcy-rules-forms-and-fees-changes-effective-december-1-2026?utm_source=chatgpt.com), lines 24–54; [fee-change PDF](https://www.gasb.uscourts.gov/sites/gasb/files/BK%20Fee%20Changes%2012.1.2026.pdf?utm_source=chatgpt.com) | October 1, 2026 announcement; future December 1, 2026 fee changes | Opened/read announcement; PDF retrieved. Local judiciary notice is official evidence of scheduled changes, not proof that all future amounts are already operative. |\n| R038-S036 | [Alabama Code §6-10-11 (2025), Justia](https://law.justia.com/codes/alabama/title-6/chapter-10/article-1/division-1/section-6-10-11/?utm_source=chatgpt.com), lines 45–68, especially 60–65 | Alabama; 2025 secondary statutory presentation | Opened/read. Text excludes federal §522(d) exemptions for qualifying Alabama bankruptcy cases. Current official state codification remains unverified. |\n| R038-S037 | [Arkansas Code §16-66-217 (2025), Justia](https://law.justia.com/codes/arkansas/title-16/subtitle-5/chapter-66/subchapter-2/section-16-66-217/?utm_source=chatgpt.com), lines 45–69, especially 59–65 | Arkansas; 2025 secondary statutory presentation | Opened/read. Text provides an election between state exemptions and federal §522(d), subject to applicable federal eligibility rules. Current official state codification remains unverified. |\n\nThe recovered S020 page has the exact September 2, 2026 review date. S022 is an older CFPB consumer explanation; describing it as newly updated in 2026 would be incorrect. Consumer Financial Protection Bureau+1\n\n### 2.1 S031 and S033 — precise unresolved identities\n\nFor S031, an unspecified California bankruptcy opinion is not a usable case citation. The next retrieval must identify the case caption, docket or reporter citation, issuing court, decision date and the exact §522 holding. Current California exemption-election law requires independent statutory verification; a historical decision cannot substitute for it.\n\nFor S033, the exact AllLaw article and its complete list remain unverified. Even a recovered secondary list would be discovery material, not sufficient proof of current election rights across all states. This supplement makes no nationwide exemption-election classification.\n\n## 3. Supplemental authority register\n\nThese rows add necessary pinpoint evidence without renumbering original sources.\n\n| Source ID | Authority and direct URL | Pinpoint / publication or effective date | Access / scope |\n| --- | --- | --- | --- |\n| R038-S002 | Original 2025 bankruptcy dollar-adjustment notice; supplemented by [Federal Register correction](https://www.federalregister.gov/documents/2025/02/25/C1-2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases?utm_source=chatgpt.com) | Correction, 90 FR 10643, February 25, 2025; numbered items 1–2, lines 95–104 | Correction opened/read. Corrects two entries in the February 4 notice; venue-table implications must be applied precisely. |\n| R038-S012 | [U.S. Courts Bankruptcy Miscellaneous Fee Schedule](https://www.uscourts.gov/court-programs/fees/bankruptcy-court-miscellaneous-fee-schedule?utm_source=chatgpt.com) | Items 8–9; coordinator pinpoint lines 594–604 | Coordinator-attributed subsequent opening. Current $78 administrative and $15 Chapter 7 trustee components. |\n| R038-S013 | [28 U.S.C. §1930](https://uscode.house.gov/us/usc/119-118/t28/s1930/?utm_source=chatgpt.com) | (a)(1)(A)–(B), (f)(1)–(3) | Coordinator-attributed subsequent opening. Current base fees $245/$235; waiver and installments have separate requirements. |\n| R038-S003 | [Federal Rules of Bankruptcy Procedure PDF](https://www.uscourts.gov/sites/default/files/document/federal-rules-of-bankruptcy-procedure.pdf?utm_source=chatgpt.com) | Rule 1006(a)–(c), printed pp. 3–4/PDF pp. 22–23; Rule 3002(c), printed pp. 45–46/PDF pp. 64–65 | Coordinator-attributed selected PDF reading. Original S003 remains FRBP, not §707. |\n| R038-S006–S008 | DOJ July 15, 2026 dataset sources, preserved from prior corrections | S006 California row; S007 national expense table; S008 out-of-pocket health table | Coordinator-attributed subsequent access. Selected figures verified; no all-state/county/form certification. |\n| R038-R4-S001 — NEW | [CFPB Withdrawn Guidance](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) | “Circulars & Supervisory Guidance,” 2023, Bulletin 2023-01; lines 85–89 | Opened/read. Bulletin withdrawn May 12, 2025; statutory law not withdrawn. |\n| R038-R4-S002 — NEW | [U.S. Courts Current Rules of Practice & Procedure](https://www.uscourts.gov/forms-rules/current-rules-practice-procedure?utm_source=chatgpt.com) | December 1, 2025 effective-amendment listing | Retrieved. Supports distinction between operative 2025 amendments and pending 2026 package. |\n| R038-R4-S003 — NEW | [Federal rulemaking process](https://www.uscourts.gov/forms-rules/about-rulemaking-process/how-rulemaking-process-works?utm_source=chatgpt.com) | Supreme Court promulgation, congressional review and effective-date discussion | Retrieved. General process; does not establish final December 2026 implementation. |\n\n### 3.1 February 25, 2025 erratum — exact correction\n\nThe Judicial Conference correction to the February 4, 2025 notice states:\n\n- On page 8942, second column, final table line: $25,700 is corrected to $27,750.\n- On page 8942, third column, second line from the bottom: $27,750 is corrected to $25,700.\n\nThese are positional corrections to two table entries. The erratum does not establish that the previously checked §707 consumer means-test figures are wrong. The corrected entries must be mapped to their original table labels before any venue-specific amount is republished. federalregister.gov\n\n### 3.2 Future-effective authority — source discrepancy\n\nThe Southern District of Georgia announcement is headed “Effective December 1, 2026,” but one sentence inside it says December 1, 2025. That sentence conflicts with the heading, publication date and national pending-amendments page. It should be treated as an apparent date error, not independent evidence of a 2025 effective date.\n\nThe U.S. Courts national page is the stronger source for the scheduled 2026 package. It expressly cautions that pending amendments may be delayed or withdrawn. United States Bankruptcy Court+1\n\n## 4. Claim/evidence register — replacement and supplemental rows\n\nThe original claim IDs remain unchanged. New propositions use the R038-R4 namespace. Where the exact original dependent claim ID was not supplied, this table does not invent one.\n\n| Claim ID | Area / precise proposition | Evidence and exact pinpoint | Conditions, date, limitations |\n| --- | --- | --- | --- |\n| R038-R4-C001 — NEW | A038-Audit: DOJ resumed designating Chapter 7 and 13 cases for debtor audits effective February 20, 2026 | S014, February 17 notice, paragraphs 1–2 | Federal USTP program; audits are selected, not universal; statutory cooperation requirements separately apply |\n| R038-R4-C002 — NEW | A038-Credit: most negative credit information is generally reportable for seven years; bankruptcy information up to ten years | S020, “Negative information,” lines 34–44; original S019 §1681c | Federal FCRA; statutory exceptions; no credit-score or approval promise |\n| R038-R4-C003 — NEW | A038-Collection: discharge generally bars personal collection of discharged debts, while collateral rights can survive | S022, lines 23–26; original S001 §§362, 524 | Federal; only discharged liabilities, applicable stay exceptions and surviving in-rem rights |\n| R038-R4-C004 — NEW | A038-Guidance: CFPB Bulletin 2023-01 was withdrawn May 12, 2025 | R4-S001, 2023 supervisory-guidance entry, line 88 | Guidance status only; no repeal of §§362/524 or applicable collection statutes |\n| R038-R4-C005 — NEW | A038-Exemptions: Alabama's reproduced §6-10-11 excludes §522(d) as an available exemption system | S036, lines 60–65 | 2025 secondary code; federal domicile requirements and current official Alabama law held |\n| R038-R4-C006 — NEW | A038-Exemptions: Arkansas's reproduced §16-66-217 allows a qualifying state-or-§522(d) election | S037, lines 59–65 | 2025 secondary code; federal eligibility and current official Arkansas law held |\n| R038-R4-C007 — NEW | A038-Rules: specified bankruptcy amendments are scheduled for December 1, 2026 | S034, lines 577–585; R4-S003 | Future-effective at baseline; congressional intervention and final implementation not certified |\n| R038-R4-C008 — NEW | A038-Fees: identified miscellaneous court fees are scheduled to change December 1, 2026 | S035, fee PDF, p. 1, items 1b, 2A–B, 3–5, 7, 12, 14, 19–21 | Future-effective; item-specific only; not a blanket petition-fee increase |\n| R038-R4-C009 — NEW | A038-Amounts: February 25, 2025 erratum corrects two dollar entries in the February 4 notice | S002 correction, 90 FR 10643, items 1–2 | Original table labels must be matched; does not invalidate separately verified consumer figures |\n| R038-C035 — SUPPLEMENT | A038-Fees: selected current Chapter 7/13 petition totals are $338/$313 | S013 §1930(a)(1)(A)–(B); S012 items 8–9 | Coordinator-attributed primary verification; current baseline only; attorney fees and optional costs excluded |\n| R038-C036 — SUPPLEMENT | A038-Fees: Chapter 7 waiver and installment payment rules are conditional | S013 §1930(f)(1)–(3); S003 Rule 1006(a)–(c) | Waiver discretionary and Chapter 7-specific; installment court order and time limits; no individual determination |\n| R038-C012 — SOURCE UPDATE | A038-Means: selected July 15, 2026 DOJ values | S006–S008, original IDs and previously verified pinpoints | Coordinator-attributed selected values; no all-state, county, household or deduction certification |\n| R038-R4-C010 — HELD | A038-California: specific historical judicial holding supporting opt-out | S031, unresolved case identity | No case citation established; no judicial proposition upgraded |\n| R038-R4-C011 — HELD | A038-Exemptions: complete federal-exemption election-state classification | S033, unresolved exact article | Secondary discovery only; no nationwide classification accepted |\n\n### 4.1 December 2026 fee changes — verified item-level figures\n\nThe official Southern District of Georgia PDF was retrieved and its one-page table read. The following are scheduled miscellaneous fees, not Chapter 7 or Chapter 13 petition totals. gasb.uscourts.gov\n\n| Fee schedule item | Current | Scheduled Dec. 1, 2026 | Increase |\n| --- | --- | --- | --- |\n| 1b — Certain electronic-record copies | $33 | $37 | $4 |\n| 2A — Certification | $12 | $13 | $1 |\n| 2B — Exemplification | $24 | $27 | $3 |\n| 3 — Audio recording reproduction | $34 | $38 | $4 |\n| 4 — Amended schedules | $34 | $38 | $4 |\n| 5 — Record search | $34 | $38 | $4 |\n| 7 — Unrelated-document filing | $52 | $58 | $6 |\n| 12A — First archive box retrieval | $70 | $78 | $8 |\n| 12B — Additional archive box | $43 | $48 | $5 |\n| 12C — Electronic retrieval | $11 | $12 | $1 |\n| 14 — Additional direct-appeal fee component | $307 | $372 | $65 |\n| 19 — Specified motions, including stay-relief motions | $199 | $221 | $22 |\n| 20 — Claims transfer | $28 | $31 | $3 |\n| 21 — Motion to redact | $28 | $31 | $3 |\n\nThe PDF's note expressly limits item 14's change to the additional direct-appeal component, not the ordinary notice-of-appeal fee.\n\nImportantly, items 8 and 9, which support the selected current administrative and Chapter 7 trustee components, are not listed among these adjustments. The reviewed announcement therefore does not support changing the $338/$313 petition totals on December 1. A later operative nationwide schedule still requires confirmation.\n\n## 5. Granular coverage update\n\nThese are the affected coverage rows for the targeted supplement. They do not purport to reproduce or replace the original 59-row coverage register.\n\n| Seed / evidence question | Status | Findings and claims | Residual evidence / next action |\n| --- | --- | --- | --- |\n| S014 debtor-audit notice identity | Answered | R4-C001 | Preserve actual effective date, not just notice publication date |\n| Audit selection and cooperation | Partial | R4-C001 | Verify detailed statutory audit exceptions and applicable procedures before case-specific guidance |\n| S020 CFPB credit-duration identity | Answered | R4-C002 | Use original S019 statutory exceptions for final legal treatment |\n| Bankruptcy versus ordinary negative reporting | Answered, bounded | R4-C002 | No guaranteed score recovery or deletion date |\n| S022 CFPB collection-guidance identity | Answered | R4-C003 | Guidance is not a substitute for §§362/524 |\n| CFPB withdrawn-guidance status | Answered for relevant bulletin | R4-C004 | Check individual guidance status when citing other CFPB bulletins |\n| Discharge versus collateral enforcement | Partial | R4-C003 | Particular lien validity, stay exception, reaffirmation and state enforcement law held |\n| S031 California historical opinions | Unresolved | R4-C010 | Retrieve case name/docket and actual opinion; verify current statute separately |\n| S033 AllLaw complete choice-state list | Unresolved | R4-C011 | Recover exact article, then independently validate every state from primary law |\n| S034 2026 national rules package identity | Answered at package-index level | R4-C007 | Read individual amendments and recheck implementation at effective date |\n| December 2026 Official Forms 101/106C | Partial | R4-C007 | Retrieve actual final form versions and change instructions |\n| S035 future miscellaneous fees | Answered for listed items | R4-C008 | Recheck operative national schedule on December 1 |\n| December 2026 petition totals | Current baseline answered; future held | C035, R4-C008 | Do not infer increases from unrelated miscellaneous items |\n| S036 Alabama opt-out text | Partial | R4-C005 | Obtain official current codification; domicile and individual exemption eligibility held |\n| S037 Arkansas election text | Partial | R4-C006 | Obtain official current codification; domicile and election eligibility held |\n| S002 February 2025 erratum | Correction verified; label mapping partial | R4-C009 | Match both corrected positions to the original February 4 table labels |\n| Current statutory base filing fees | Answered for selected amounts | C035 | Coordinator-attributed later access; no full legislative audit |\n| Administrative/trustee fee components | Answered for selected amounts | C035 | Future schedule remains separate |\n| Fee waivers and installments | Partial | C036 | Court orders, forms and individual eligibility not determined |\n| Rule 1006 and Rule 3002(c) selected text | Selected text verified by coordinator | C033, C036 | Rule 3002 exceptions, chapter distinctions and local procedure remain |\n| July 15, 2026 DOJ datasets | Selected values verified | C012 | Other states/counties, household selection, form deductions and later periods held |\n| Full state and circuit review | Excluded from supplement | Original register | Separate queued investigations; no survey repeated |\n| Creditor contracts and tax issues | Excluded from supplement | Original and correction registers | All previous contract and tax holds preserved |\n| Original 74-claim and 59-row acceptance | Not performed | Historical record preserved | Requires separate complete-record review |\n\n## 6. Publication holds and researcher self-check\n\nPublication holds remain for the unidentified S031 judicial decision, the unidentified S033 AllLaw article, current official Alabama and Arkansas codification, complete December 2026 rule/form texts, operative future fee schedules, and the precise original table labels affected by the February 2025 erratum.\n\nThe CFPB withdrawal review adds a separate editorial safeguard: do not cite withdrawn Bulletin 2023-01 as current agency guidance. Equally, do not suggest that its withdrawal authorizes collecting discharged debts.\n\nThis supplement directly opened the DOJ audit notice, CFPB consumer pages and withdrawn-guidance list, Federal Register correction, U.S. Courts pending-amendments index, Georgia bankruptcy-court announcement and fee PDF, and the two Justia code presentations. Selected fee, rule and DOJ dataset findings from the coordinator remain attributed subsequent reuse, not independent original-access proof.\n\nOf the nine source identities, seven now have recovered and opened supporting documents; two remain unresolved at the precise source-identity level. Some of the seven are only partially verified for final legal publication, as identified above.\n\nNo model fallback was invoked or independently verified. This is a researcher self-check, not an independent review of the full R038 investigation. No external publication, outreach, account change, private borrower access or local-library write was performed.\n\nEND R038 TARGETED EVIDENCE SUPPLEMENT\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[]],"rows":[["Chapter","Statutory base","Administrative fee","Trustee fee","Current total"],["Chapter 7","$245","$78","$15","$338"],["Chapter 13","$235","$78","$0","$313"]]},{"headers":[],"index":1,"links":[{"href":"https://www.justice.gov/ust/notice/ustp-resume-debtor-audits-0?utm_source=chatgpt.com","text":"USTP to Resume Debtor Audits"},{"href":"https://www.justice.gov/ust/debtor-audit-information?utm_source=chatgpt.com","text":"Debtor Audit Information"},{"href":"https://www.consumerfinance.gov/ask-cfpb/how-long-does-information-stay-on-my-credit-report-en-323/?utm_source=chatgpt.com","text":"How long does information stay on my credit report?"},{"href":"https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-try-to-collect-on-a-debt-that-was-discharged-in-bankruptcy-en-1425/?utm_source=chatgpt.com","text":"Can a debt collector try to collect on a debt that was discharged in bankruptcy?"},{"href":"https://www.uscourts.gov/forms-rules/pending-rules-and-forms-amendments?utm_source=chatgpt.com","text":"Pending Rules and Forms Amendments"},{"href":"https://www.gasb.uscourts.gov/news/bankruptcy-rules-forms-and-fees-changes-effective-december-1-2026?utm_source=chatgpt.com","text":"Rules, Forms and Fees Changes"},{"href":"https://www.gasb.uscourts.gov/sites/gasb/files/BK%20Fee%20Changes%2012.1.2026.pdf?utm_source=chatgpt.com","text":"fee-change PDF"},{"href":"https://law.justia.com/codes/alabama/title-6/chapter-10/article-1/division-1/section-6-10-11/?utm_source=chatgpt.com","text":"Alabama Code §6-10-11 (2025), Justia"},{"href":"https://law.justia.com/codes/arkansas/title-16/subtitle-5/chapter-66/subchapter-2/section-16-66-217/?utm_source=chatgpt.com","text":"Arkansas Code §16-66-217 (2025), Justia"}],"row_links":[[],[{"href":"https://www.justice.gov/ust/notice/ustp-resume-debtor-audits-0?utm_source=chatgpt.com","text":"USTP to Resume Debtor Audits"},{"href":"https://www.justice.gov/ust/debtor-audit-information?utm_source=chatgpt.com","text":"Debtor Audit Information"}],[{"href":"https://www.consumerfinance.gov/ask-cfpb/how-long-does-information-stay-on-my-credit-report-en-323/?utm_source=chatgpt.com","text":"How long does information stay on my credit report?"}],[{"href":"https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-try-to-collect-on-a-debt-that-was-discharged-in-bankruptcy-en-1425/?utm_source=chatgpt.com","text":"Can a debt collector try to collect on a debt that was discharged in bankruptcy?"}],[],[],[{"href":"https://www.uscourts.gov/forms-rules/pending-rules-and-forms-amendments?utm_source=chatgpt.com","text":"Pending Rules and Forms Amendments"}],[{"href":"https://www.gasb.uscourts.gov/news/bankruptcy-rules-forms-and-fees-changes-effective-december-1-2026?utm_source=chatgpt.com","text":"Rules, Forms and Fees Changes"},{"href":"https://www.gasb.uscourts.gov/sites/gasb/files/BK%20Fee%20Changes%2012.1.2026.pdf?utm_source=chatgpt.com","text":"fee-change PDF"}],[{"href":"https://law.justia.com/codes/alabama/title-6/chapter-10/article-1/division-1/section-6-10-11/?utm_source=chatgpt.com","text":"Alabama Code §6-10-11 (2025), Justia"}],[{"href":"https://law.justia.com/codes/arkansas/title-16/subtitle-5/chapter-66/subchapter-2/section-16-66-217/?utm_source=chatgpt.com","text":"Arkansas Code §16-66-217 (2025), Justia"}]],"rows":[["Original source ID","Authority, issuer, URL and exact pinpoint","Version / jurisdiction / rule status","Actual access and limitation"],["R038-S014","DOJ USTP, USTP to Resume Debtor Audits, notice dated February 17, 2026; Debtor Audit Information, introductory paragraphs and February 2026 notice","Federal Chapter 7/13; designation resumed February 20, 2026","Opened/read. Actual official notice recovered. July standards are separately covered by S006–S008, not by the audit-resumption notice."],["R038-S020","CFPB, How long does information stay on my credit report?, “Negative information,” lines 34–44","Last reviewed September 2, 2026; federal consumer-reporting explanation","Opened/read. Confirms generally seven years for most negative information and up to ten years for bankruptcy, subject to stated exceptions. Underlying FCRA remains original S019."],["R038-S022","CFPB, Can a debt collector try to collect on a debt that was discharged in bankruptcy?, lines 20–27","Last reviewed August 24, 2022; page modified March 12, 2024; federal agency guidance","Opened/read. Supports general stay/discharge explanation and surviving collateral rights, but does not establish every statutory exception. Withdrawn-guidance review performed separately."],["R038-S031","Original description: Central/Eastern California bankruptcy-court opinions on opt-out; §522 discussion","Historical judicial authority; California","Unresolved identity. No particular case name, docket, reporter citation or actual opinion URL was established. No opinion is treated as opened."],["R038-S033","Original description: AllLaw federal-exemption choice-state list","Secondary nationwide classification","Unresolved exact page identity. No complete matching list was verified. Discovery-only classification cannot support publication of a complete state list."],["R038-S034","U.S. Courts, Pending Rules and Forms Amendments, “December 1, 2026,” lines 570–589; form footnote lines 590–604","Federal; proposed/future-effective as of October 22, 2026","Opened/read. Official package index recovered. Individual package PDFs not all read; future implementation must be checked."],["R038-S035","U.S. Bankruptcy Court, Southern District of Georgia, Rules, Forms and Fees Changes, lines 24–54; fee-change PDF","October 1, 2026 announcement; future December 1, 2026 fee changes","Opened/read announcement; PDF retrieved. Local judiciary notice is official evidence of scheduled changes, not proof that all future amounts are already operative."],["R038-S036","Alabama Code §6-10-11 (2025), Justia, lines 45–68, especially 60–65","Alabama; 2025 secondary statutory presentation","Opened/read. Text excludes federal §522(d) exemptions for qualifying Alabama bankruptcy cases. Current official state codification remains unverified."],["R038-S037","Arkansas Code §16-66-217 (2025), Justia, lines 45–69, especially 59–65","Arkansas; 2025 secondary statutory presentation","Opened/read. Text provides an election between state exemptions and federal §522(d), subject to applicable federal eligibility rules. Current official state codification remains unverified."]]},{"headers":[],"index":2,"links":[{"href":"https://www.federalregister.gov/documents/2025/02/25/C1-2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases?utm_source=chatgpt.com","text":"Federal Register correction"},{"href":"https://www.uscourts.gov/court-programs/fees/bankruptcy-court-miscellaneous-fee-schedule?utm_source=chatgpt.com","text":"U.S. Courts Bankruptcy Miscellaneous Fee Schedule"},{"href":"https://uscode.house.gov/us/usc/119-118/t28/s1930/?utm_source=chatgpt.com","text":"28 U.S.C. §1930"},{"href":"https://www.uscourts.gov/sites/default/files/document/federal-rules-of-bankruptcy-procedure.pdf?utm_source=chatgpt.com","text":"Federal Rules of Bankruptcy Procedure PDF"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"CFPB Withdrawn Guidance"},{"href":"https://www.uscourts.gov/forms-rules/current-rules-practice-procedure?utm_source=chatgpt.com","text":"U.S. Courts Current Rules of Practice & Procedure"},{"href":"https://www.uscourts.gov/forms-rules/about-rulemaking-process/how-rulemaking-process-works?utm_source=chatgpt.com","text":"Federal rulemaking process"}],"row_links":[[],[{"href":"https://www.federalregister.gov/documents/2025/02/25/C1-2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases?utm_source=chatgpt.com","text":"Federal Register correction"}],[{"href":"https://www.uscourts.gov/court-programs/fees/bankruptcy-court-miscellaneous-fee-schedule?utm_source=chatgpt.com","text":"U.S. Courts Bankruptcy Miscellaneous Fee Schedule"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t28/s1930/?utm_source=chatgpt.com","text":"28 U.S.C. §1930"}],[{"href":"https://www.uscourts.gov/sites/default/files/document/federal-rules-of-bankruptcy-procedure.pdf?utm_source=chatgpt.com","text":"Federal Rules of Bankruptcy Procedure PDF"}],[],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"CFPB Withdrawn Guidance"}],[{"href":"https://www.uscourts.gov/forms-rules/current-rules-practice-procedure?utm_source=chatgpt.com","text":"U.S. Courts Current Rules of Practice & Procedure"}],[{"href":"https://www.uscourts.gov/forms-rules/about-rulemaking-process/how-rulemaking-process-works?utm_source=chatgpt.com","text":"Federal rulemaking process"}]],"rows":[["Source ID","Authority and direct URL","Pinpoint / publication or effective date","Access / scope"],["R038-S002","Original 2025 bankruptcy dollar-adjustment notice; supplemented by Federal Register correction","Correction, 90 FR 10643, February 25, 2025; numbered items 1–2, lines 95–104","Correction opened/read. Corrects two entries in the February 4 notice; venue-table implications must be applied precisely."],["R038-S012","U.S. Courts Bankruptcy Miscellaneous Fee Schedule","Items 8–9; coordinator pinpoint lines 594–604","Coordinator-attributed subsequent opening. Current $78 administrative and $15 Chapter 7 trustee components."],["R038-S013","28 U.S.C. §1930","(a)(1)(A)–(B), (f)(1)–(3)","Coordinator-attributed subsequent opening. Current base fees $245/$235; waiver and installments have separate requirements."],["R038-S003","Federal Rules of Bankruptcy Procedure PDF","Rule 1006(a)–(c), printed pp. 3–4/PDF pp. 22–23; Rule 3002(c), printed pp. 45–46/PDF pp. 64–65","Coordinator-attributed selected PDF reading. Original S003 remains FRBP, not §707."],["R038-S006–S008","DOJ July 15, 2026 dataset sources, preserved from prior corrections","S006 California row; S007 national expense table; S008 out-of-pocket health table","Coordinator-attributed subsequent access. Selected figures verified; no all-state/county/form certification."],["R038-R4-S001 — NEW","CFPB Withdrawn Guidance","“Circulars & Supervisory Guidance,” 2023, Bulletin 2023-01; lines 85–89","Opened/read. Bulletin withdrawn May 12, 2025; statutory law not withdrawn."],["R038-R4-S002 — NEW","U.S. Courts Current Rules of Practice & Procedure","December 1, 2025 effective-amendment listing","Retrieved. Supports distinction between operative 2025 amendments and pending 2026 package."],["R038-R4-S003 — NEW","Federal rulemaking process","Supreme Court promulgation, congressional review and effective-date discussion","Retrieved. General process; does not establish final December 2026 implementation."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area / precise proposition","Evidence and exact pinpoint","Conditions, date, limitations"],["R038-R4-C001 — NEW","A038-Audit: DOJ resumed designating Chapter 7 and 13 cases for debtor audits effective February 20, 2026","S014, February 17 notice, paragraphs 1–2","Federal USTP program; audits are selected, not universal; statutory cooperation requirements separately apply"],["R038-R4-C002 — NEW","A038-Credit: most negative credit information is generally reportable for seven years; bankruptcy information up to ten years","S020, “Negative information,” lines 34–44; original S019 §1681c","Federal FCRA; statutory exceptions; no credit-score or approval promise"],["R038-R4-C003 — NEW","A038-Collection: discharge generally bars personal collection of discharged debts, while collateral rights can survive","S022, lines 23–26; original S001 §§362, 524","Federal; only discharged liabilities, applicable stay exceptions and surviving in-rem rights"],["R038-R4-C004 — NEW","A038-Guidance: CFPB Bulletin 2023-01 was withdrawn May 12, 2025","R4-S001, 2023 supervisory-guidance entry, line 88","Guidance status only; no repeal of §§362/524 or applicable collection statutes"],["R038-R4-C005 — NEW","A038-Exemptions: Alabama's reproduced §6-10-11 excludes §522(d) as an available exemption system","S036, lines 60–65","2025 secondary code; federal domicile requirements and current official Alabama law held"],["R038-R4-C006 — NEW","A038-Exemptions: Arkansas's reproduced §16-66-217 allows a qualifying state-or-§522(d) election","S037, lines 59–65","2025 secondary code; federal eligibility and current official Arkansas law held"],["R038-R4-C007 — NEW","A038-Rules: specified bankruptcy amendments are scheduled for December 1, 2026","S034, lines 577–585; R4-S003","Future-effective at baseline; congressional intervention and final implementation not certified"],["R038-R4-C008 — NEW","A038-Fees: identified miscellaneous court fees are scheduled to change December 1, 2026","S035, fee PDF, p. 1, items 1b, 2A–B, 3–5, 7, 12, 14, 19–21","Future-effective; item-specific only; not a blanket petition-fee increase"],["R038-R4-C009 — NEW","A038-Amounts: February 25, 2025 erratum corrects two dollar entries in the February 4 notice","S002 correction, 90 FR 10643, items 1–2","Original table labels must be matched; does not invalidate separately verified consumer figures"],["R038-C035 — SUPPLEMENT","A038-Fees: selected current Chapter 7/13 petition totals are $338/$313","S013 §1930(a)(1)(A)–(B); S012 items 8–9","Coordinator-attributed primary verification; current baseline only; attorney fees and optional costs excluded"],["R038-C036 — SUPPLEMENT","A038-Fees: Chapter 7 waiver and installment payment rules are conditional","S013 §1930(f)(1)–(3); S003 Rule 1006(a)–(c)","Waiver discretionary and Chapter 7-specific; installment court order and time limits; no individual determination"],["R038-C012 — SOURCE UPDATE","A038-Means: selected July 15, 2026 DOJ values","S006–S008, original IDs and previously verified pinpoints","Coordinator-attributed selected values; no all-state, county, household or deduction certification"],["R038-R4-C010 — HELD","A038-California: specific historical judicial holding supporting opt-out","S031, unresolved case identity","No case citation established; no judicial proposition upgraded"],["R038-R4-C011 — HELD","A038-Exemptions: complete federal-exemption election-state classification","S033, unresolved exact article","Secondary discovery only; no nationwide classification accepted"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Fee schedule item","Current","Scheduled Dec. 1, 2026","Increase"],["1b — Certain electronic-record copies","$33","$37","$4"],["2A — Certification","$12","$13","$1"],["2B — Exemplification","$24","$27","$3"],["3 — Audio recording reproduction","$34","$38","$4"],["4 — Amended schedules","$34","$38","$4"],["5 — Record search","$34","$38","$4"],["7 — Unrelated-document filing","$52","$58","$6"],["12A — First archive box retrieval","$70","$78","$8"],["12B — Additional archive box","$43","$48","$5"],["12C — Electronic retrieval","$11","$12","$1"],["14 — Additional direct-appeal fee component","$307","$372","$65"],["19 — Specified motions, including stay-relief motions","$199","$221","$22"],["20 — Claims transfer","$28","$31","$3"],["21 — Motion to redact","$28","$31","$3"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Seed / evidence question","Status","Findings and claims","Residual evidence / next action"],["S014 debtor-audit notice identity","Answered","R4-C001","Preserve actual effective date, not just notice publication date"],["Audit selection and cooperation","Partial","R4-C001","Verify detailed statutory audit exceptions and applicable procedures before case-specific guidance"],["S020 CFPB credit-duration identity","Answered","R4-C002","Use original S019 statutory exceptions for final legal treatment"],["Bankruptcy versus ordinary negative reporting","Answered, bounded","R4-C002","No guaranteed score recovery or deletion date"],["S022 CFPB collection-guidance identity","Answered","R4-C003","Guidance is not a substitute for §§362/524"],["CFPB withdrawn-guidance status","Answered for relevant bulletin","R4-C004","Check individual guidance status when citing other CFPB bulletins"],["Discharge versus collateral enforcement","Partial","R4-C003","Particular lien validity, stay exception, reaffirmation and state enforcement law held"],["S031 California historical opinions","Unresolved","R4-C010","Retrieve case name/docket and actual opinion; verify current statute separately"],["S033 AllLaw complete choice-state list","Unresolved","R4-C011","Recover exact article, then independently validate every state from primary law"],["S034 2026 national rules package identity","Answered at package-index level","R4-C007","Read individual amendments and recheck implementation at effective date"],["December 2026 Official Forms 101/106C","Partial","R4-C007","Retrieve actual final form versions and change instructions"],["S035 future miscellaneous fees","Answered for listed items","R4-C008","Recheck operative national schedule on December 1"],["December 2026 petition totals","Current baseline answered; future held","C035, R4-C008","Do not infer increases from unrelated miscellaneous items"],["S036 Alabama opt-out text","Partial","R4-C005","Obtain official current codification; domicile and individual exemption eligibility held"],["S037 Arkansas election text","Partial","R4-C006","Obtain official current codification; domicile and election eligibility held"],["S002 February 2025 erratum","Correction verified; label mapping partial","R4-C009","Match both corrected positions to the original February 4 table labels"],["Current statutory base filing fees","Answered for selected amounts","C035","Coordinator-attributed later access; no full legislative audit"],["Administrative/trustee fee components","Answered for selected amounts","C035","Future schedule remains separate"],["Fee waivers and installments","Partial","C036","Court orders, forms and individual eligibility not determined"],["Rule 1006 and Rule 3002(c) selected text","Selected text verified by coordinator","C033, C036","Rule 3002 exceptions, chapter distinctions and local procedure remain"],["July 15, 2026 DOJ datasets","Selected values verified","C012","Other states/counties, household selection, form deductions and later periods held"],["Full state and circuit review","Excluded from supplement","Original register","Separate queued investigations; no survey repeated"],["Creditor contracts and tax issues","Excluded from supplement","Original and correction registers","All previous contract and tax holds preserved"],["Original 74-claim and 59-row acceptance","Not performed","Historical record preserved","Requires separate complete-record review"]]}],"claims":[{"claim_id":"R038-R4-C001","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C001 — NEW","Area / precise proposition":"A038-Audit: DOJ resumed designating Chapter 7 and 13 cases for debtor audits effective February 20, 2026","Evidence and exact pinpoint":"S014, February 17 notice, paragraphs 1–2","Conditions, date, limitations":"Federal USTP program; audits are selected, not universal; statutory cooperation requirements separately apply"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C002","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C002 — NEW","Area / precise proposition":"A038-Credit: most negative credit information is generally reportable for seven years; bankruptcy information up to ten years","Evidence and exact pinpoint":"S020, “Negative information,” lines 34–44; original S019 §1681c","Conditions, date, limitations":"Federal FCRA; statutory exceptions; no credit-score or approval promise"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C003","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C003 — NEW","Area / precise proposition":"A038-Collection: discharge generally bars personal collection of discharged debts, while collateral rights can survive","Evidence and exact pinpoint":"S022, lines 23–26; original S001 §§362, 524","Conditions, date, limitations":"Federal; only discharged liabilities, applicable stay exceptions and surviving in-rem rights"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C004","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C004 — NEW","Area / precise proposition":"A038-Guidance: CFPB Bulletin 2023-01 was withdrawn May 12, 2025","Evidence and exact pinpoint":"R4-S001, 2023 supervisory-guidance entry, line 88","Conditions, date, limitations":"Guidance status only; no repeal of §§362/524 or applicable collection statutes"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C005","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C005 — NEW","Area / precise proposition":"A038-Exemptions: Alabama's reproduced §6-10-11 excludes §522(d) as an available exemption system","Evidence and exact pinpoint":"S036, lines 60–65","Conditions, date, limitations":"2025 secondary code; federal domicile requirements and current official Alabama law held"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C006","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C006 — NEW","Area / precise proposition":"A038-Exemptions: Arkansas's reproduced §16-66-217 allows a qualifying state-or-§522(d) election","Evidence and exact pinpoint":"S037, lines 59–65","Conditions, date, limitations":"2025 secondary code; federal eligibility and current official Arkansas law held"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C007","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C007 — NEW","Area / precise proposition":"A038-Rules: specified bankruptcy amendments are scheduled for December 1, 2026","Evidence and exact pinpoint":"S034, lines 577–585; R4-S003","Conditions, date, limitations":"Future-effective at baseline; congressional intervention and final implementation not certified"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C008","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C008 — NEW","Area / precise proposition":"A038-Fees: identified miscellaneous court fees are scheduled to change December 1, 2026","Evidence and exact pinpoint":"S035, fee PDF, p. 1, items 1b, 2A–B, 3–5, 7, 12, 14, 19–21","Conditions, date, limitations":"Future-effective; item-specific only; not a blanket petition-fee increase"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C009","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C009 — NEW","Area / precise proposition":"A038-Amounts: February 25, 2025 erratum corrects two dollar entries in the February 4 notice","Evidence and exact pinpoint":"S002 correction, 90 FR 10643, items 1–2","Conditions, date, limitations":"Original table labels must be matched; does not invalidate separately verified consumer figures"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-C035","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-C035 — SUPPLEMENT","Area / precise proposition":"A038-Fees: selected current Chapter 7/13 petition totals are $338/$313","Evidence and exact pinpoint":"S013 §1930(a)(1)(A)–(B); S012 items 8–9","Conditions, date, limitations":"Coordinator-attributed primary verification; current baseline only; attorney fees and optional costs excluded"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-C036","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-C036 — SUPPLEMENT","Area / precise proposition":"A038-Fees: Chapter 7 waiver and installment payment rules are conditional","Evidence and exact pinpoint":"S013 §1930(f)(1)–(3); S003 Rule 1006(a)–(c)","Conditions, date, limitations":"Waiver discretionary and Chapter 7-specific; installment court order and time limits; no individual determination"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-C012","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-C012 — SOURCE UPDATE","Area / precise proposition":"A038-Means: selected July 15, 2026 DOJ values","Evidence and exact pinpoint":"S006–S008, original IDs and previously verified pinpoints","Conditions, date, limitations":"Coordinator-attributed selected values; no all-state, county, household or deduction certification"},"coordinator_verification_status":"selected_source_or_reuse_checked_remaining_application_and_full_area_scope_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C010","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C010 — HELD","Area / precise proposition":"A038-California: specific historical judicial holding supporting opt-out","Evidence and exact pinpoint":"S031, unresolved case identity","Conditions, date, limitations":"No case citation established; no judicial proposition upgraded"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"R038-R4-C011","area_numbers":[38],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"R038-R4-C011 — HELD","Area / precise proposition":"A038-Exemptions: complete federal-exemption election-state classification","Evidence and exact pinpoint":"S033, unresolved exact article","Conditions, date, limitations":"Secondary discovery only; no nationwide classification accepted"},"coordinator_verification_status":"researcher_attribution_or_unidentified_source_retained_primary_or_application_support_held","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"R038-S014","urls":["https://www.justice.gov/ust/notice/ustp-resume-debtor-audits-0?utm_source=chatgpt.com","https://www.justice.gov/ust/debtor-audit-information?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S014","Authority, issuer, URL and exact pinpoint":"DOJ USTP, USTP to Resume Debtor Audits, notice dated February 17, 2026; Debtor Audit Information, introductory paragraphs and February 2026 notice","Version / jurisdiction / rule status":"Federal Chapter 7/13; designation resumed February 20, 2026","Actual access and limitation":"Opened/read. Actual official notice recovered. July standards are separately covered by S006–S008, not by the audit-resumption notice."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S020","urls":["https://www.consumerfinance.gov/ask-cfpb/how-long-does-information-stay-on-my-credit-report-en-323/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S020","Authority, issuer, URL and exact pinpoint":"CFPB, How long does information stay on my credit report?, “Negative information,” lines 34–44","Version / jurisdiction / rule status":"Last reviewed September 2, 2026; federal consumer-reporting explanation","Actual access and limitation":"Opened/read. Confirms generally seven years for most negative information and up to ten years for bankruptcy, subject to stated exceptions. Underlying FCRA remains original S019."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S022","urls":["https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-try-to-collect-on-a-debt-that-was-discharged-in-bankruptcy-en-1425/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S022","Authority, issuer, URL and exact pinpoint":"CFPB, Can a debt collector try to collect on a debt that was discharged in bankruptcy?, lines 20–27","Version / jurisdiction / rule status":"Last reviewed August 24, 2022; page modified March 12, 2024; federal agency guidance","Actual access and limitation":"Opened/read. Supports general stay/discharge explanation and surviving collateral rights, but does not establish every statutory exception. Withdrawn-guidance review performed separately."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S031","urls":[],"researcher_record":{"Original source ID":"R038-S031","Authority, issuer, URL and exact pinpoint":"Original description: Central/Eastern California bankruptcy-court opinions on opt-out; §522 discussion","Version / jurisdiction / rule status":"Historical judicial authority; California","Actual access and limitation":"Unresolved identity. No particular case name, docket, reporter citation or actual opinion URL was established. No opinion is treated as opened."},"coordinator_verification_status":"unidentified_historical_source_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S033","urls":[],"researcher_record":{"Original source ID":"R038-S033","Authority, issuer, URL and exact pinpoint":"Original description: AllLaw federal-exemption choice-state list","Version / jurisdiction / rule status":"Secondary nationwide classification","Actual access and limitation":"Unresolved exact page identity. No complete matching list was verified. Discovery-only classification cannot support publication of a complete state list."},"coordinator_verification_status":"unidentified_historical_source_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S034","urls":["https://www.uscourts.gov/forms-rules/pending-rules-and-forms-amendments?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S034","Authority, issuer, URL and exact pinpoint":"U.S. Courts, Pending Rules and Forms Amendments, “December 1, 2026,” lines 570–589; form footnote lines 590–604","Version / jurisdiction / rule status":"Federal; proposed/future-effective as of October 22, 2026","Actual access and limitation":"Opened/read. Official package index recovered. Individual package PDFs not all read; future implementation must be checked."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S035","urls":["https://www.gasb.uscourts.gov/news/bankruptcy-rules-forms-and-fees-changes-effective-december-1-2026?utm_source=chatgpt.com","https://www.gasb.uscourts.gov/sites/gasb/files/BK%20Fee%20Changes%2012.1.2026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S035","Authority, issuer, URL and exact pinpoint":"U.S. Bankruptcy Court, Southern District of Georgia, Rules, Forms and Fees Changes, lines 24–54; fee-change PDF","Version / jurisdiction / rule status":"October 1, 2026 announcement; future December 1, 2026 fee changes","Actual access and limitation":"Opened/read announcement; PDF retrieved. Local judiciary notice is official evidence of scheduled changes, not proof that all future amounts are already operative."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S036","urls":["https://law.justia.com/codes/alabama/title-6/chapter-10/article-1/division-1/section-6-10-11/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S036","Authority, issuer, URL and exact pinpoint":"Alabama Code §6-10-11 (2025), Justia, lines 45–68, especially 60–65","Version / jurisdiction / rule status":"Alabama; 2025 secondary statutory presentation","Actual access and limitation":"Opened/read. Text excludes federal §522(d) exemptions for qualifying Alabama bankruptcy cases. Current official state codification remains unverified."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S037","urls":["https://law.justia.com/codes/arkansas/title-16/subtitle-5/chapter-66/subchapter-2/section-16-66-217/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"R038-S037","Authority, issuer, URL and exact pinpoint":"Arkansas Code §16-66-217 (2025), Justia, lines 45–69, especially 59–65","Version / jurisdiction / rule status":"Arkansas; 2025 secondary statutory presentation","Actual access and limitation":"Opened/read. Text provides an election between state exemptions and federal §522(d), subject to applicable federal eligibility rules. Current official state codification remains unverified."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S002","urls":["https://www.federalregister.gov/documents/2025/02/25/C1-2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-S002","Authority and direct URL":"Original 2025 bankruptcy dollar-adjustment notice; supplemented by Federal Register correction","Pinpoint / publication or effective date":"Correction, 90 FR 10643, February 25, 2025; numbered items 1–2, lines 95–104","Access / scope":"Correction opened/read. Corrects two entries in the February 4 notice; venue-table implications must be applied precisely."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S012","urls":["https://www.uscourts.gov/court-programs/fees/bankruptcy-court-miscellaneous-fee-schedule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-S012","Authority and direct URL":"U.S. Courts Bankruptcy Miscellaneous Fee Schedule","Pinpoint / publication or effective date":"Items 8–9; coordinator pinpoint lines 594–604","Access / scope":"Coordinator-attributed subsequent opening. Current $78 administrative and $15 Chapter 7 trustee components."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S013","urls":["https://uscode.house.gov/us/usc/119-118/t28/s1930/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-S013","Authority and direct URL":"28 U.S.C. §1930","Pinpoint / publication or effective date":"(a)(1)(A)–(B), (f)(1)–(3)","Access / scope":"Coordinator-attributed subsequent opening. Current base fees $245/$235; waiver and installments have separate requirements."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S003","urls":["https://www.uscourts.gov/sites/default/files/document/federal-rules-of-bankruptcy-procedure.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-S003","Authority and direct URL":"Federal Rules of Bankruptcy Procedure PDF","Pinpoint / publication or effective date":"Rule 1006(a)–(c), printed pp. 3–4/PDF pp. 22–23; Rule 3002(c), printed pp. 45–46/PDF pp. 64–65","Access / scope":"Coordinator-attributed selected PDF reading. Original S003 remains FRBP, not §707."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-S006","urls":["https://www.justice.gov/ust/eo/bapcpa/20260715/bci_data/median_income_table.htm"],"researcher_record":{"Source ID":"R038-S006–S008","Authority and direct URL":"DOJ July 15, 2026 dataset sources, preserved from prior corrections","Pinpoint / publication or effective date":"S006 California row; S007 national expense table; S008 out-of-pocket health table","Access / scope":"Coordinator-attributed subsequent access. Selected figures verified; no all-state/county/form certification."},"coordinator_verification_status":"selected_prior_dataset_evidence_reused_remaining_application_held","coordinator_check_evidence":"[internal evidence reference]","id_normalization":"Visible S006-S008bundle split by actual original identities and supplied selected evidence; original cell retained."},{"source_id":"R038-S007","urls":["https://www.justice.gov/ust/eo/bapcpa/20260715/bci_data/national_expense_standards.htm"],"researcher_record":{"Source ID":"R038-S006–S008","Authority and direct URL":"DOJ July 15, 2026 dataset sources, preserved from prior corrections","Pinpoint / publication or effective date":"S006 California row; S007 national expense table; S008 out-of-pocket health table","Access / scope":"Coordinator-attributed subsequent access. Selected figures verified; no all-state/county/form certification."},"coordinator_verification_status":"selected_prior_dataset_evidence_reused_remaining_application_held","coordinator_check_evidence":"[internal evidence reference]","id_normalization":"Visible S006-S008bundle split by actual original identities and supplied selected evidence; original cell retained."},{"source_id":"R038-S008","urls":["https://www.justice.gov/ust/eo/bapcpa/20260715/bci_data/national_oop_healthcare.htm"],"researcher_record":{"Source ID":"R038-S006–S008","Authority and direct URL":"DOJ July 15, 2026 dataset sources, preserved from prior corrections","Pinpoint / publication or effective date":"S006 California row; S007 national expense table; S008 out-of-pocket health table","Access / scope":"Coordinator-attributed subsequent access. Selected figures verified; no all-state/county/form certification."},"coordinator_verification_status":"selected_prior_dataset_evidence_reused_remaining_application_held","coordinator_check_evidence":"[internal evidence reference]","id_normalization":"Visible S006-S008bundle split by actual original identities and supplied selected evidence; original cell retained."},{"source_id":"R038-R4-S001","urls":["https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-R4-S001 — NEW","Authority and direct URL":"CFPB Withdrawn Guidance","Pinpoint / publication or effective date":"“Circulars & Supervisory Guidance,” 2023, Bulletin 2023-01; lines 85–89","Access / scope":"Opened/read. Bulletin withdrawn May 12, 2025; statutory law not withdrawn."},"coordinator_verification_status":"selected_fresh_or_prior_official_scope_checked_remaining_currentness_application_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-R4-S002","urls":["https://www.uscourts.gov/forms-rules/current-rules-practice-procedure?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-R4-S002 — NEW","Authority and direct URL":"U.S. Courts Current Rules of Practice & Procedure","Pinpoint / publication or effective date":"December 1, 2025 effective-amendment listing","Access / scope":"Retrieved. Supports distinction between operative 2025 amendments and pending 2026 package."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"R038-R4-S003","urls":["https://www.uscourts.gov/forms-rules/about-rulemaking-process/how-rulemaking-process-works?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R038-R4-S003 — NEW","Authority and direct URL":"Federal rulemaking process","Pinpoint / publication or effective date":"Supreme Court promulgation, congressional review and effective-date discussion","Access / scope":"Retrieved. General process; does not establish final December 2026 implementation."},"coordinator_verification_status":"secondary_or_researcher_access_attributed_not_fully_coordinator_verified_held","coordinator_checked_at":"2026-10-23T03:31:05.412413+00:00","coordinator_check_evidence":"[internal evidence reference]"}],"coverage":[{"topic":"S014 debtor-audit notice identity","researcher_record":{"Seed / evidence question":"S014 debtor-audit notice identity","Status":"Answered","Findings and claims":"R4-C001","Residual evidence / next action":"Preserve actual effective date, not just notice publication date"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Audit selection and cooperation","researcher_record":{"Seed / evidence question":"Audit selection and cooperation","Status":"Partial","Findings and claims":"R4-C001","Residual evidence / next action":"Verify detailed statutory audit exceptions and applicable procedures before case-specific guidance"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S020 CFPB credit-duration identity","researcher_record":{"Seed / evidence question":"S020 CFPB credit-duration identity","Status":"Answered","Findings and claims":"R4-C002","Residual evidence / next action":"Use original S019 statutory exceptions for final legal treatment"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Bankruptcy versus ordinary negative reporting","researcher_record":{"Seed / evidence question":"Bankruptcy versus ordinary negative reporting","Status":"Answered, bounded","Findings and claims":"R4-C002","Residual evidence / next action":"No guaranteed score recovery or deletion date"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S022 CFPB collection-guidance identity","researcher_record":{"Seed / evidence question":"S022 CFPB collection-guidance identity","Status":"Answered","Findings and claims":"R4-C003","Residual evidence / next action":"Guidance is not a substitute for §§362/524"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"CFPB withdrawn-guidance status","researcher_record":{"Seed / evidence question":"CFPB withdrawn-guidance status","Status":"Answered for relevant bulletin","Findings and claims":"R4-C004","Residual evidence / next action":"Check individual guidance status when citing other CFPB bulletins"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Discharge versus collateral enforcement","researcher_record":{"Seed / evidence question":"Discharge versus collateral enforcement","Status":"Partial","Findings and claims":"R4-C003","Residual evidence / next action":"Particular lien validity, stay exception, reaffirmation and state enforcement law held"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S031 California historical opinions","researcher_record":{"Seed / evidence question":"S031 California historical opinions","Status":"Unresolved","Findings and claims":"R4-C010","Residual evidence / next action":"Retrieve case name/docket and actual opinion; verify current statute separately"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S033 AllLaw complete choice-state list","researcher_record":{"Seed / evidence question":"S033 AllLaw complete choice-state list","Status":"Unresolved","Findings and claims":"R4-C011","Residual evidence / next action":"Recover exact article, then independently validate every state from primary law"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S034 2026 national rules package identity","researcher_record":{"Seed / evidence question":"S034 2026 national rules package identity","Status":"Answered at package-index level","Findings and claims":"R4-C007","Residual evidence / next action":"Read individual amendments and recheck implementation at effective date"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"December 2026 Official Forms 101/106C","researcher_record":{"Seed / evidence question":"December 2026 Official Forms 101/106C","Status":"Partial","Findings and claims":"R4-C007","Residual evidence / next action":"Retrieve actual final form versions and change instructions"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S035 future miscellaneous fees","researcher_record":{"Seed / evidence question":"S035 future miscellaneous fees","Status":"Answered for listed items","Findings and claims":"R4-C008","Residual evidence / next action":"Recheck operative national schedule on December 1"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"December 2026 petition totals","researcher_record":{"Seed / evidence question":"December 2026 petition totals","Status":"Current baseline answered; future held","Findings and claims":"C035, R4-C008","Residual evidence / next action":"Do not infer increases from unrelated miscellaneous items"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S036 Alabama opt-out text","researcher_record":{"Seed / evidence question":"S036 Alabama opt-out text","Status":"Partial","Findings and claims":"R4-C005","Residual evidence / next action":"Obtain official current codification; domicile and individual exemption eligibility held"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S037 Arkansas election text","researcher_record":{"Seed / evidence question":"S037 Arkansas election text","Status":"Partial","Findings and claims":"R4-C006","Residual evidence / next action":"Obtain official current codification; domicile and election eligibility held"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"S002 February 2025 erratum","researcher_record":{"Seed / evidence question":"S002 February 2025 erratum","Status":"Correction verified; label mapping partial","Findings and claims":"R4-C009","Residual evidence / next action":"Match both corrected positions to the original February 4 table labels"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Current statutory base filing fees","researcher_record":{"Seed / evidence question":"Current statutory base filing fees","Status":"Answered for selected amounts","Findings and claims":"C035","Residual evidence / next action":"Coordinator-attributed later access; no full legislative audit"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative/trustee fee components","researcher_record":{"Seed / evidence question":"Administrative/trustee fee components","Status":"Answered for selected amounts","Findings and claims":"C035","Residual evidence / next action":"Future schedule remains separate"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Fee waivers and installments","researcher_record":{"Seed / evidence question":"Fee waivers and installments","Status":"Partial","Findings and claims":"C036","Residual evidence / next action":"Court orders, forms and individual eligibility not determined"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Rule 1006 and Rule 3002(c) selected text","researcher_record":{"Seed / evidence question":"Rule 1006 and Rule 3002(c) selected text","Status":"Selected text verified by coordinator","Findings and claims":"C033, C036","Residual evidence / next action":"Rule 3002 exceptions, chapter distinctions and local procedure remain"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"July 15, 2026 DOJ datasets","researcher_record":{"Seed / evidence question":"July 15, 2026 DOJ datasets","Status":"Selected values verified","Findings and claims":"C012","Residual evidence / next action":"Other states/counties, household selection, form deductions and later periods held"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Full state and circuit review","researcher_record":{"Seed / evidence question":"Full state and circuit review","Status":"Excluded from supplement","Findings and claims":"Original register","Residual evidence / next action":"Separate queued investigations; no survey repeated"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Creditor contracts and tax issues","researcher_record":{"Seed / evidence question":"Creditor contracts and tax issues","Status":"Excluded from supplement","Findings and claims":"Original and correction registers","Residual evidence / next action":"All previous contract and tax holds preserved"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Original 74-claim and 59-row acceptance","researcher_record":{"Seed / evidence question":"Original 74-claim and 59-row acceptance","Status":"Not performed","Findings and claims":"Historical record preserved","Residual evidence / next action":"Requires separate complete-record review"},"coordinator_acceptance":"targeted_recovery_and_selected_checks_only_remaining_primary_currentness_and_scope_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}