Cramdown intake that captures loan balance vs. collateral value up
Ask whether the secured loan balance exceeds the collateral's current value, confirm the client wants to keep the item, and check they have income for a court-approved plan before you ever pick up the phone. The intake collects loan statements and payment history so the numbers are visible before the consultation.
The exact intake your cramdown leads complete
This is the real 7-question guided intake for Cramdown — the same flow your customers finish before you ever pick up the phone.
What a qualified cramdown lead should tell you
Cramdown is a Chapter 13 or Chapter 11/12 mechanism that reduces a secured loan to the collateral's current fair market value when the balance owed exceeds it, letting a debtor keep the property while paying the reduced amount through a court-approved repayment plan.
- In United States Or
- Considering Filing Bankruptcy, Or
- Have Loan That Secured
- Amount Owe On That
- Behind On Payments Or
- Like Keep Item (
- Have Enough Regular Income
The questions your team needs answered
Every cramdown intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Are you in the United States or planning to file bankruptcy in a U.S. court? | Cramdown only exists inside a U.S. bankruptcy case, so a no answer here signals the wrong jurisdiction before any other detail matters. |
| Are you considering filing bankruptcy, or have you filed within the last 12 months? | A "yes" flags a higher-value, higher-urgency lead you’ll want to reach first. |
| Do you have a loan that is secured by something you own (like a car, home, furniture, or equipment)? | Without a secured loan on property, there's no collateral to run a cramdown against, so this answer gates the rest of the qualification. |
| Is the amount you owe on that secured loan more than what the item is worth today? | The core cramdown mechanism only applies when the amount owed exceeds the collateral's current value, making this the single most decisive answer for fit. |
| Are you behind on payments or struggling to keep up with payments on that secured loan? | Falling behind on payments often signals the urgency behind seeking a reduced, court-approved payment instead of losing the asset entirely. |
| Would you like to keep the item (for example, keep the car or home) rather than give it up? | Cramdown is a strategy for keeping property, so a client wanting to surrender the item isn't the right fit for this specific relief. |
| Do you have enough regular income to make monthly payments under a court-approved repayment plan? | A court-approved plan requires income to fund it, so this answer indicates whether the case can actually be structured around a reduced payment. |
How Cliont scores cramdown leads
Every answer is weighted automatically — no manual review required.
Value signals
- In United States Or: yes
- Considering Filing Bankruptcy, Or: yes
- Have Loan That Secured: yes
- Amount Owe On That: yes
- Behind On Payments Or: yes
- Like Keep Item (: yes
See the lead your team receives
Cramdown Lead: Underwater Auto Loan
From first click to qualified lead
Follow people and businesses seeking counsel through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the matter
Smart questions adapt to their matter and capture the full scope.
They share the documents
The facts, dates, and any paperwork come attached, so you can assess the matter before the consultation.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for cramdown workflows
| Cliont capability | Cramdown application |
|---|---|
| Weighted lead scoring | Combines the secured-loan, underwater-balance, and keep-the-item answers into a single score so an ideal cramdown case outranks a lead whose loan isn't actually underwater. |
| Conditional question logic | If the prospect has no secured loan at all, the intake can stop probing collateral value and payment status instead of walking every lead through the full cramdown-specific sequence. |
| Document upload capture | Collects loan statements and income documentation before the consultation so you can check the underwater math without a first meeting spent gathering paperwork. |
| CRM routing | Sends only leads with a genuine secured-debt shortfall and repayment-plan income directly to your CRM, instead of every general bankruptcy inquiry. |
| Video intake widget | Lets a prospect describe the vehicle, home, or equipment and why they're behind on payments in their own words, giving you context beyond the yes/no answers before the call. |
Common cramdown lead scenarios
Underwater vehicle loan
Client owes more on a car loan than the car is worth, is behind on payments, wants to keep the vehicle, and has income to fund a plan — this is a textbook cramdown fit and scores highest.
Secured loan not underwater
Client has a secured loan on furniture or equipment but the balance owed is at or below its current value, so there's no cramdown math to run and the intake reflects the weaker fit.
No income for a repayment plan
Client wants to keep a secured asset but can't show regular income to fund a court-approved plan, which the intake surfaces as a factor before you schedule anything.
Business equipment mid-case
Client already filed within the last 12 months and is carrying an underwater equipment loan, exploring cramdown as a strategy inside an existing case rather than as a new filing.
Still deciding on filing
Prospect is only considering bankruptcy, hasn't filed, and is unsure whether they even want to keep the collateral — the intake captures that undecided posture rather than assuming urgency.
Connect Cliont to your workflow
Send leads
HubSpot, HighLevel, Salesforce, JobNimbus
Book matters
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Notify your team
Email, SMS, Slack
Automate follow-up
Zapier, Webhooks, API
Simple, transparent pricing
Choose the plan that works for your business.
Professional
Unlimited intake forms and leads for your growing business.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Advanced analytics dashboard
Pay Per Lead
Only pay when you receive a qualified lead.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Charged only for submitted leads
More bankruptcy law intake templates
Cramdown lead-intake FAQs
How does the intake decide if someone is actually a cramdown candidate?
It looks at whether the client has a secured loan, whether the balance owed is more than the collateral is worth, and whether they want to keep the item rather than surrender it — those three answers together drive the score.
What happens if the secured loan isn't underwater?
If the balance owed doesn't exceed the collateral's value, the answer is weighted lower because there's no cramdown reduction to argue for, and the lead still comes through but flagged as a weaker fit for this specific strategy.
Does the intake ask which bankruptcy chapter applies?
No — it asks about the secured loan, the shortfall in value, and whether the client has income for a court-approved plan, which gives you the facts needed to decide chapter fit yourself during the consultation.
Can this intake handle leads who haven't filed for bankruptcy yet?
Yes, it asks whether someone is considering filing or has filed within the last 12 months, so both pre-filing prospects and clients already in a case are captured and scored appropriately.
Does the intake work for equipment or business loans, not just cars and homes?
Yes, the secured-loan question explicitly covers cars, homes, furniture, or equipment, so business asset cramdown scenarios are captured the same way as consumer vehicle loans.
Does the intake check jurisdiction before routing a lead to my CRM?
Yes, it asks whether the prospect is in the U.S. or planning to file in a U.S. court, which is weighted heavily since cramdown relief only applies inside a U.S. bankruptcy case.
Turn cramdown visitors into qualified cases
Give every cramdown visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you book a consultation.