Chapter 7 discharge filings, pulled daily from real federal court records (PACER) — a live Illinois pilot today. Automatic lender-matching, AI-drafted scripts, and direct BDC-queue delivery are on the roadmap, not shipped yet — see what's actually live below.
Every Chapter 7 discharge is a matter of public federal court record. Louie's PACER integration pulls new Illinois filings daily — that part is live. Turning each filing into a lender-matched, script-ready BDC lead automatically is the roadmap below, not something that happens today without a person in the loop.
A buyer in your market has their debts legally discharged. Their credit score will climb. They need transportation. They can legally take on new auto debt immediately. Almost no one knows this yet.
A daily automated job pulls new Illinois Chapter 7 filings directly from federal court records (PACER) — name, case number, and filing date. This is the same public data bankruptcy attorneys use. Currently an Illinois pilot; more states are roadmap.
Every lender has different post-discharge seasoning requirements — some approve day one, some require months. Louie's 53-lender routing network is real and live for normal deal routing today; automatically mapping each lender's specific bankruptcy-seasoning rules and applying them to Fresh Start leads is on the roadmap, not built yet.
The vision: your BDC rep sees each lead with a plain-English, AI-drafted outreach script referencing a specific vehicle and payment. That auto-delivery-with-script pipeline isn't wired yet — today, imported filings need a person to review and act on them.
Louie's 53-lender routing network is real and already used for everyday deal routing. Automatically mapping each lender's specific post-bankruptcy seasoning rules — so a Fresh Start lead gets pointed at the exact program that will approve it, on day one — is the roadmap. The examples below illustrate the vision; they are not live per-lender data yet.
The 53-lender network and its live approval/routing data are real. Per-lender bankruptcy-seasoning rules shown above are an illustrative example of the roadmap, not live data mapped in the system today.
The hardest part of Fresh Start leads isn't finding them or routing them. It's the first sentence. Auto-generating a tailored script per lead — using discharge date, lender match, and your specific inventory — is on the roadmap, not built yet. Below is an illustrative example of what that could sound like.
Chapter 7 discharges all unsecured debt. The buyer comes to you with a clean slate — no credit card minimums eating into their DTI, no medical debt dragging the deal. The lender sees the discharge, not the history.
They need a car. Their old one may have been repossessed or surrendered in the bankruptcy. They have new financial freedom and no one has called them yet. You are the first dealer who knew they exist.
By law, they cannot file Chapter 7 again for 8 years. Lenders know this. It's why day-one programs exist. A fresh discharge is not a risky buyer — it's a buyer with a legally enforced clean slate.
Dealers who help buyers in a vulnerable moment tend to earn customers for life. You're not just closing a deal — you're acquiring a long-term customer.
| What you're comparing | Aged lead lists / lead vendors | Fresh Start by Louie |
|---|---|---|
| Data source | ✖ Scraped, resold, 30–90 days old | ✔ Direct daily PACER pull, federal court filings (Illinois pilot) |
| Lender matching | ✖ None — you figure out who'll approve | ✔ 53-lender routing network live; automatic per-lender seasoning-rule matching is roadmap |
| Outreach script | ✖ Generic or none | Your team writes it today; AI per-lead generation is on the roadmap |
| Competition on the lead | ✖ Same list sold to 10–20 dealers | Not sold to other dealers today; formal market-area exclusivity is on the roadmap |
| Seasoning window tracking | ✖ None | On the roadmap — not built yet |
| BDC integration | ✖ CSV dump, manual entry | Filings import into Louie today; automatic BDC-queue delivery with a priority score is on the roadmap |
| TCPA compliance | ✖ Varies by vendor, often unclear | Your responsibility today, same as any lead source — automated TCPA/DNC pre-screening is on the roadmap |
PACER data is public record. Using it to market to discharged debtors is legal, but the way you use it matters — and how you contact people is your dealership's own compliance responsibility, same as any lead source. Here's what's real today.
Automated National DNC Registry screening before delivery is on the roadmap, not built yet. Screen and classify every number the same way you would any other lead source before you contact it.
However you script the outreach, best practice (and this page's own example) is to lead with the vehicle and payment, not the bankruptcy itself, unless the buyer brings it up first.
Lead data is stored on your own server under your Louie account's FTC Safeguards compliance posture — access-controlled, access-logged, and purged per your data retention policy. Credentials and exports are encrypted at rest; all traffic is TLS-encrypted in transit.
Automatic per-lead outreach logging (timestamp, rep, script version, outcome) is on the roadmap. Keep your own contact records today the same way you would for any lead source.
Included in the LouieAuto license — $24,995 one-time, no separate plan required.
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