As a new user of Jubilee, and someone who has used a number of other preparation programs, a number of suggestions for improvements to the program:
1. There are a *lot* of mouse clicks to get anything done. When entering data, anything that takes your hands off the keyboard is time wasted. It would be nice if there would be keyboard shortcuts for stuff. One simple example--every time I need to add a record, I need to click on "+New" or "Save and New". Why not let this be done via the keyboard?
2. New Creditor screen. I need to tab through "Attn/c/o/Building name" for *every* creditor. For the vast majority, this field will be blank. Don't have it as a mandatory click-through. And I can't say how often I start entering the street number and name in it, since every creditor will have an address. If I need an additional field, I can click on it. Ditto a separate field for Suite/Apartment number that must be tabbed through for *every* creditor. Again, if I need it, I can click on it (or just enter the suite number in the address field). I shouldn't have to click through it every time I enter a creditor. Ditto phone/fax/email. Make this clickable rather than mandatory tab through, because 99% of the time I just want to enter the basic address data for the creditor and get back to the creditor screen.
3. The creditor entry screens require lots of tabbing between rarely used fields. For example, I very rarely will enter Contingent/Disputed/Unliquidated, etc., but must tab through each checkbox for each creditor. Make these clickable instead of the mandatory tab through. If I enter data in "Claim Amount" I shouldn't have to click through "Amount Unknown." I don't think I've ever listed arrearages, payment amount, or interest rate for an unsecured debt--why are these there at all? Debtor's % liability--rarely entered. Please don't make me waste time clicking or tabbing through them in every single creditor. Name, type, account number, amount. These are the ones I should be able to get through quickly and efficiently.
4. For priority debts, would it really be that hard to add a short routine that if the creditor=IRS, taxes=federal? (Instead of having to click the box?) And if it's a priority debt, why is there a collateral tab?
5. I may have missed it, but I did not see a way to enter an attorney, collection agent, or other notice party on the creditor screen.
6. Most employers list deductions in the following order: Federal taxes, Social Security, Medicare, State Taxes, Local Taxes. Why do you have the order (for Schedule I) as Federal Taxes, State taxes, Medicare, Social Security? Again, you want to do everything possible to speed up/ease data entry.
7. For employment duration, most of my clients don't recall the precise month and day they started working. How about simply allowing year, i.e. 2008 to present.
8. "Create Paycheck" is confusing. I don't always have clients who get paychecks, who get paid regularly, or whose projected disposable income is properly reflected on their paycheck. How do I deal with these clients (who are the majority of my clients)? Having to put a date for a paycheck where I just want to enter data doesn't seem intuitive.
9. For Dependents on Schedule J, I'm a bit confused as to why I am not given the option to enter son, daughter, grandson, grandchild, etc. Things are more fluid now, and I'd like to be able to provide some more description. My Court does *not* allow the disclosure of names for minors--why do you ask for them (or require me to tab through them)? And why do these names matter so that you would need to enter them here?
10. When I tab into a box that already has data, I'm usually going to change it. This would be a lot easier if the contents of the box were already selected when I tab into it.
11. Having a dropdown list for % paid to GUCs seems odd. Why not just let me enter the percentage to unsecureds manually? Often, I will want a Plan that provides for 0.01% to the GUCs--I don't see a way to do it with Jubilee.
12. In the Chapter 13 Plan calculator, why doesn't my outstanding fee balance automatically propagate into the calculation? I actually don't see any place to add it.
13. The Chapter 13 Calculator really seems unnecessarily confusing. I just want a number that my client needs to pay, given previous payments, secured arrearages/payments through the Plan, priority claims, and my stated % to GUCs (as well as my fees and Trustee commissions!) There's an awful lot showing on the screen that I really don't need to know about in determining this number.
14. I'm confused about the Maryland Chapter 13 Plan. In Section 4.6.2 you list "Monthly Payment". This is the amount to be paid through the Plan, not the contractual payment outside the Plan.
15. Is there a way to manually edit the Chapter 13 Plan?
16. There are wide grey bars across the Chapter 13 Plan. ?
Please take these suggestions in the spirit in which they're offered--I want to see the product improve!