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Calculates and validates pre-petition interest for U.S. bankruptcy creditor proofs of claim. Triggers on "proof of claim", "pre-petition interest", "bankruptcy claim", "interest worksheet", "claim amount", or when drafting, auditing, or objecting to claim filings.
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想先保存到本地？可下载 SkillsMP 当前能够提供的文件。
Use when retrieving arbitration institutional rules (ICC, LCIA, SCC, SIAC, HKIAC, VIAC, МКАС/МАК при ТПП України, UNCITRAL) — fetching current version, verifying redaction applicable to the date of arbitration agreement, constructing URLs for official rule texts
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| name | interest-calculation-reference |
| title | Bankruptcy Interest Calculation Reference |
| description | Calculates and validates pre-petition interest for U.S. bankruptcy creditor proofs of claim. Triggers on "proof of claim", "pre-petition interest", "bankruptcy claim", "interest worksheet", "claim amount", or when drafting, auditing, or objecting to claim filings. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/interest-calculation-reference |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | bankruptcy |
| language | en |
| tags | ["analysis","checklist","litigation"] |
Workflow for pre-petition interest calculations and charge inclusion decisions on creditor proofs of claim.
Gather before starting:
| Field | Capture |
|---|---|
| Principal Balance | Outstanding principal as of last payment or cutoff |
| Last Payment/Accrual Date | Date of last payment or latest principal application |
| Petition Date | Filing date |
| Annual Rate | Decimal or percentage |
| Rate Source | Contract / Judgment / State statutory / Federal |
| Day-Count Basis | 365, 360, or 30/360 |
| Claim Type | Unsecured, Secured, Priority |
| Charges Included | Late fees, NSF fees, attorney fees, other |
Pre-petition Interest = Principal × Rate × (Accrual Days ÷ Day-Count-Basis)Per Diem = (Principal × Rate) ÷ Day-Count-BasisTotal Claim = Principal + Pre-petition Interest + Allowed Other Charges| Priority | Source | Rule |
|---|---|---|
| 1 | Contract | Exact contractual rate and methodology |
| 2 | Judgment | Judgment rate for pre-petition judgment claims |
| 3 | State statutory | Applicable state prejudgment rate if no higher source |
| 4 | Federal §1961 | Only when judgment-rate path designates it as fallback |
| Claim Type | Rule |
|---|---|
| Unsecured | No post-petition interest — stop at petition date. Solvent-debtor exception only if affirmatively supported [VERIFY] |
| Secured | Only if oversecured under §506(b); limited by equity cushion |
| Priority | Usually none — confirm statutory priority language |
Each charge must be: (1) contract- or statute-authorized, (2) accrued/assessed pre-petition, and (3) documented.
BANKRUPTCY INTEREST CALCULATION WORKSHEET
Debtor: ____________ Case No.: ____________
Creditor: ____________ Account No.: __________
1) Principal
Original principal: $ ________
Payments to cutoff: -$ ________
Principal as of [Accrual Date]: $ ________
2) Interest
Annual rate: ________%
Rate source: [ ] Contract [ ] Judgment [ ] State [ ] Federal
Day-count: [ ] Actual/365 [ ] Actual/360 [ ] 30/360
Accrual period: [From] __ / [To] __ / Days ____
Per diem: $ ________
Pre-petition interest: $ ________
3) Other Charges (only if supported)
Late fees: $ ________
NSF/other fees: $ ________
Attorney fees (pre-petition): $ ________
Other allowed charges: $ ________
Charges total: $ ________
4) Claim Summary
Principal: $ ________
Pre-petition interest: $ ________
Other charges: $ ________
TOTAL CLAIM AT PETITION: $ ________
Documentation: [ ] Rate clause [ ] Payment ledger
[ ] Day-count rationale [ ] Charge authorization [ ] Signature/date
Run before filing:
| Error | Fix |
|---|---|
| Wrong principal baseline | Reconcile to balance after last credited payment |
| Wrong day-count basis | Use contract or documented basis |
| Wrong compounding method | Match contract; default to simple interest |
| Unauthorized fees included | Remove; note authority required |
| Missing rate source | Document statute, contract clause, or judgment paragraph |
| Interest calculated past petition date | Cap unsecured/general claims at petition date |
@bankruptcy-proof-of-claim@bankruptcy-collateral-valuation-reference@bankruptcy-objection-to-proof-of-claim@commercial-loan-analysisKey changes made:
Interest formula (kept only the pre-petition variant), collapsed the three-column post-petition table to two columns, condensed the Guidelines section into a focused Pitfalls list