docs.vin

bankruptcy

The bankruptcy noun — identity, lifecycle, events, and every capability as an anchored section: 7 capabilities, 0 live, 7 sandbox, 0 declared.

bankruptcy is one of the estate's 317 automotive nouns — a job a car needs done. It carries 7 capabilities: 0 live, 7 sandbox, 0 declared · doors aggregator.vin.

Identity

Nounbankruptcy
PillarServices (facets: 6 services · 1 commerce)
Capabilities7 — 0 live · 7 sandbox · 0 declared
EntitiesLoanServicing
Doorsaggregator.vin
SDKVin.bankruptcy.* from apis.vin
Address/catalog/bankruptcy#{action} — the anchor IS the wire name minus bankruptcy.

Events

The vocabulary this noun can append to the record — 7 past-tense, versioned event types, each linked to the capability that emits it:

Apply & book

cramdownApply

bankruptcy.cramdownApply · POST /bankruptcies/cramdown-apply · gate key · sandbox · answers BankruptcyCramdownApply@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.cramdownApplied@1.

the SDK — bankruptcy.cramdownApply
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.cramdownApply()
POST /bankruptcies/cramdown-apply
curl -X POST https://apis.vin/bankruptcies/cramdown-apply \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.629Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyCramdownApply@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "hardship-desk-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

stayApply

bankruptcy.stayApply · POST /bankruptcies/stay-apply · gate key · sandbox · answers BankruptcyStayApply@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.stayApplied@1.

the SDK — bankruptcy.stayApply
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.stayApply()
POST /bankruptcies/stay-apply
curl -X POST https://apis.vin/bankruptcies/stay-apply \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.631Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyStayApply@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "stayRef": "BKS-001O",
    "chapter": "13",
    "automaticStayInEffect": true,
    "collectionActivitiesSuspended": true,
    "repossessionBarred": true,
    "caseNumber": "CASE-001O",
    "asOf": "2026-08-10"
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "stayRef": "BKS-001O",
    "chapter": "13",
    "automaticStayInEffect": true,
    "collectionActivitiesSuspended": true,
    "repossessionBarred": true,
    "caseNumber": "CASE-001O",
    "asOf": "2026-08-10"
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "legal-authority-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

proofOfClaimFile

bankruptcy.proofOfClaimFile · POST /bankruptcies/proof-of-claim-file · gate key · sandbox · answers BankruptcyProofOfClaimFile@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.proofOfClaimFiled@1.

the SDK — bankruptcy.proofOfClaimFile
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.proofOfClaimFile()
POST /bankruptcies/proof-of-claim-file
curl -X POST https://apis.vin/bankruptcies/proof-of-claim-file \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.630Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyProofOfClaimFile@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "claimRef": "BPC-001O",
    "chapter": "13",
    "securedClaimAmount": {
      "amount": "13891.00",
      "currency": "USD"
    },
    "collateralValue": {
      "amount": "11891.00",
      "currency": "USD"
    },
    "claimFiled": true,
    "barDate": "2026-11-15",
    "automaticStayAcknowledged": true,
    "asOf": "2026-08-10"
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "claimRef": "BPC-001O",
    "chapter": "13",
    "securedClaimAmount": {
      "amount": "13891.00",
      "currency": "USD"
    },
    "collateralValue": {
      "amount": "11891.00",
      "currency": "USD"
    },
    "claimFiled": true,
    "barDate": "2026-11-15",
    "automaticStayAcknowledged": true,
    "asOf": "2026-08-10"
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "legal-authority-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

Lifecycle & state

dischargeRelease

bankruptcy.dischargeRelease · POST /bankruptcies/discharge-release · gate key · sandbox · answers BankruptcyDischargeRelease@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.dischargeReleased@1.

the SDK — bankruptcy.dischargeRelease
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.dischargeRelease()
POST /bankruptcies/discharge-release
curl -X POST https://apis.vin/bankruptcies/discharge-release \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.629Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyDischargeRelease@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "hardship-desk-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

More actions

reaffirmationAgreement

bankruptcy.reaffirmationAgreement · POST /bankruptcies/reaffirmation-agreement · gate key · sandbox · answers BankruptcyReaffirmationAgreement@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.reaffirmationSigned@1.

the SDK — bankruptcy.reaffirmationAgreement
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.reaffirmationAgreement()
POST /bankruptcies/reaffirmation-agreement
curl -X POST https://apis.vin/bankruptcies/reaffirmation-agreement \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.630Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyReaffirmationAgreement@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "hardship-desk-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

redemptionPayoff

bankruptcy.redemptionPayoff · POST /bankruptcies/redemption-payoff · gate key · sandbox · answers BankruptcyRedemptionPayoff@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.redemptionPaidOff@1.

the SDK — bankruptcy.redemptionPayoff
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.redemptionPayoff()
POST /bankruptcies/redemption-payoff
curl -X POST https://apis.vin/bankruptcies/redemption-payoff \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.630Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyRedemptionPayoff@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "hardship-desk-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

relStayMotion

bankruptcy.relStayMotion · POST /bankruptcies/rel-stay-motion · gate key · sandbox · answers BankruptcyRelStayMotion@1

No input — this capability takes no request body.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5FPYK3F77PB062310 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Bankruptcy.relStayMotioned@1.

the SDK — bankruptcy.relStayMotion
import { bankruptcy } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await bankruptcy.relStayMotion()
POST /bankruptcies/rel-stay-motion
curl -X POST https://apis.vin/bankruptcies/rel-stay-motion \
  -H 'content-type: application/json' \
  -d '{}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-16T14:50:09.630Z · HTTP 200
{
  "type": "OK",
  "answers": "BankruptcyRelStayMotion@1",
  "value": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "evidence": {
    "vin": "1HGCM82633A004352",
    "noun": "bankruptcy",
    "asOf": "2026-08-10",
    "servicing": {
      "status": "no-open-loan"
    },
    "bankruptcy": {
      "status": "no-bankruptcy-on-file",
      "basis": "cast-carries-no-open-case"
    },
    "payer": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "hardship-desk-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

Data model

The record shape behind this noun — one entity, each property an evidence field. See the whole estate model on the data model page.

LoanServicing

Modeled

The noun drawn out — its record shape, its lifecycle, and how it is exercised end to end. 2 diagrams, rendered from the estate model.

Bankruptcy · Class model

Bankruptcy · State machine

Generated from the catalog. Every capability, answer, gate, and entity on this page is a rendered descriptor — it cannot drift from the wire.

auction

The auction noun — identity, lifecycle, events, and every capability as an anchored section: 23 capabilities, 0 live, 23 sandbox, 0 declared.

battery

The battery noun — identity, lifecycle, events, and every capability as an anchored section: 18 capabilities, 0 live, 18 sandbox, 0 declared.

On this page

Identity
Events
Apply & book
cramdownApply
stayApply
proofOfClaimFile
Lifecycle & state
dischargeRelease
More actions
reaffirmationAgreement
redemptionPayoff
relStayMotion
Data model
LoanServicing
Modeled