Complete Guide to Bankruptcy Reporting in Metro 2®

// Example: Processing Chapter 7 Bankruptcy
function processBankruptcy(account, bankruptcyInfo) {
  const { chapter, stage, filerStatus } = bankruptcyInfo;
  
  // Set Consumer Information Indicator
  if (chapter === 7) {
    if (stage === 'petition_filed') {
      account.CII = 'A';
      account.paymentHistory = 'D' + account.paymentHistory.substring(1);
      
      // Delete authorized users
      if (account.ECOA === '3') {
        account.ECOA = 'Z';
      }
    } else if (stage === 'discharged') {
      account.CII = 'E';
      // Stop reporting after this cycle
      account.shouldReport = false;
    } else if (stage === 'reaffirmed') {
      account.CII = 'R';
      // Continue reporting normally
    }
  }
  
  // Handle non-filer protection
  if (filerStatus === 'non_filer' && bankruptcyInfo.protectedByStay) {
    account.ECOA = 'T';
    account.shouldReport = false;
  }
  
  // Set DOFD for purge logic
  if (account.status === '11' && stage === 'petition_filed') {
    account.DOFD = bankruptcyInfo.petitionDate;
  }
  
  return account;
}