The mountain, mapped

choose between chapter 7 (liquidation), chapter 13 (3-5 yr repayment), and chapter 11 subchapter v for an individual debtor under title 11. embeds 11 u.s.c. §707(b) means test (median income + disposable income), §522 federal vs. state exemption election, §727 discharge eligibility, §1325(b) ati projection, §1328(f) refile bars (8 yr 7→7, 4 yr 7→13, 6 yr 13→7, 2 yr 13→13), and bapcpa credit counseling under §109(h). refuses to recommend filing without form 122a-1 means-test math. self-contained.

map the ev / clean-vehicle tax credit pathways under inflation reduction act §30d (consumer purchase, irc §30d, form 8936) vs. §45w (commercial / leasing-company credit, irc §45w, no msrp cap, no income cap, no north american final-assembly test, no critical-minerals / battery-component sourcing tests on §45w) — and the lessor-passthrough mechanic by which a $7,500 §45w credit is captured by the leasing company and (sometimes) passed through to the lessee as a capitalized cost reduction. surfaces the §30d point-of-sale transfer election (irs rev. proc. 2023-33) for purchase, eligibility tests for both credits, and audit paths if lessor failed to pass through. outputs eligibility analysis + lease-vs-purchase tax memo + passthrough audit. t2 — personal life / automotive.

audit a car-loan prepayment-penalty clause + apr-vs-interest-rate disclosure under truth in lending act (15 u.s.c. §§1601-1667; reg z 12 c.f.r. part 1026), state usury caps, and the "rule of 78" precomputed-interest method (still permitted in some states despite being prepayment-penalizing in effect — federally restricted in some contexts). surfaces precomputed vs. simple-interest difference, computes the prepayment refund of unearned interest, and identifies apr-disclosure violations. outputs prepayment audit + apr-disclosure compliance review + state-specific usury cap analysis. t2 — personal life / automotive.

trigger 501(c)(3) hospital charity care obligations under irc §501(r) — financial assistance policy (fap) requirement (§501(r)(4)), eligibility-criteria publication, application and 240-day post-discharge filing window, billing/collection limitations during pending application, prohibition on extraordinary collection actions before reasonable efforts to determine fap eligibility (§501(r)(6) + 26 cfr §1.501(r)-6), and amounts generally billed (agb) cap (§501(r)(5) + 26 cfr §1.501(r)-5). layers state hospital charity care statutes (ca ab 1020 / hospital fair pricing act §127400, ny hospital financial assistance law, nj charity care, il fair patient billing act, wa hb 1616, md hg §19-214, etc. [cite needed — verify state]). outputs application package + agb-cap calculation + extraordinary-collection-action defense + irs form 990 schedule h exposure for hospital. t2 — personal healthcare / charity care.