Middesk Bankruptcies

The Middesk Bankruptcies Workflow Builder block checks a business for bankruptcy cases. The block runs the shared middesk service and reads the bankruptcies portion of the stored Middesk business response.

What the service returns

Result area	Meaning
Bankruptcy cases	Cases associated with the business, including case, court, debtor, filing, and update data when Middesk returns it.
Review task	A `review.tasks` item with `key: "bankruptcies"` is Middesk’s review outcome, not a case.
Lifecycle and request	Lendflow stores the latest status, service date, and sanitized request separately from the provider result.

An empty bankruptcies array means Middesk returned no cases in the stored response. Check the lifecycle status separately to confirm that the run succeeded.

Requirements

Application field	Requirement	Notes
Business legal name	Required	Use the legal name stored on the application.
Primary business address line 1, city, state, and ZIP code	Required	Provide all listed address fields.
Primary owner’s telephone	Required	Use a valid United States telephone number.
Every owner’s full name	Required	Provide the full name for each owner on the application.
Owner date of birth	Optional	Use `YYYY/MM/DD` when provided.
EIN	Optional	The value must pass validation when provided.
Website, DBA, and formation state	Optional	These fields provide additional business information when available.

Run the service

Call Enrich Business Credit Application at PUT /api/applications/{application_id}/enrich:

{
  "provider": "middesk"
}

Do not send options for the bankruptcy block. Middesk product options control lien orders. The response {"data":{"onqueue":true}} confirms only that Lendflow queued the job.

Retrieve the result

Poll Get Commercial Data with services[]=middesk.

Data	Response path
Stored Middesk response	`commercial_data.middesk`
Bankruptcy cases	`commercial_data.middesk.bankruptcies`
Review tasks	`commercial_data.middesk.review.tasks`
Latest status	`statuses.middesk`
Stored request	`request_data.middesk`
Latest date	`dates.middesk`

Call GET /api/applications/{application_id}/commercial_data?services[]=middesk. Use statuses.middesk and dates.middesk to track the latest run, commercial_data.middesk for the provider response, and request_data.middesk for the stored request.

Asynchronous behavior

Middesk is always queued. Lendflow creates the business, waits for Middesk webhooks, and refreshes the stored response. The run becomes Success only after the Middesk business status is in_review, approved, or declined and every returned order is completed. Rerunning creates another middesk run. Evaluate the latest lifecycle record and stored response.

Example response

{
  "bankruptcies": [
    {
      "id": "bankruptcy_example_001",
      "object": "bankruptcy",
      "chapter": 11,
      "court": "Northern District of Illinois",
      "case_number": "1:21-bk-01231",
      "filing_date": "2021-03-26",
      "debtors": [{ "name": "Example Company LLC" }],
      "case_updates": [
        {
          "description": "Final Decree",
          "guid": "https://example.com/cases/1",
          "pub_date": "2022-01-26 22:54:05.000000 UTC"
        }
      ]
    }
  ]
}

Response fields

Field	Type	Meaning	Values or format	When returned
`bankruptcies`	array	Cases associated with the business.	Empty or case objects.	When bankruptcy data is included.
`bankruptcies[].id`	string	Middesk case-object identifier.	Provider identifier.	For each case.
`bankruptcies[].object`	string	Middesk object type.	`bankruptcy`.	For each case.
`bankruptcies[].chapter`	integer or string	Bankruptcy code chapter.	Provider value such as `7`, `11`, or `13`.	When available.
`bankruptcies[].court`	string	Court associated with the case.	Court name.	When available.
`bankruptcies[].case_number`	string	Court case number.	Court-defined format.	When available.
`bankruptcies[].filing_date`	string	Filing date.	`YYYY-MM-DD`.	When available.
`bankruptcies[].debtors`	array	Debtors named on the case.	Debtor objects.	For a returned case.
`bankruptcies[].debtors[].name`	string	Reported debtor name.	Business or person name.	For each debtor.
`bankruptcies[].case_updates`	array	Published case updates.	Empty or update objects.	When updates exist.
`bankruptcies[].case_updates[].description`	string	Update summary.	Provider text.	For each update.
`bankruptcies[].case_updates[].guid`	string	Source URL or identifier.	URL when supplied.	For each update.
`bankruptcies[].case_updates[].pub_date`	string	Publication timestamp.	Provider timestamp, commonly UTC.	For each update.

The provider can omit unavailable fields or return additional fields. The example is intentionally representative, not a complete Middesk schema.

Data Orchestration

Middesk Bankruptcies is available under Bankruptcies → Middesk. Conditions use the completed middesk result, so the service must run before dependent conditions are evaluated.

Errors

Result	Meaning	Action
HTTP `401` or `403`	Authentication or application permission failed.	Use a token with view and enrichment access.
HTTP `422`	The provider is unavailable to the client or the body is invalid.	Confirm `middesk` access and omit unsupported options.
Status contains `field contains an invalid number`	The owner phone failed Middesk validation.	Correct the phone and rerun.
`failed_at` or an error status	Validation, provider, or webhook processing failed.	Read the lifecycle `error` or `statuses.middesk`, correct the cause, and rerun.
Run remains in progress	Middesk has not reached a complete business-and-orders state.	Continue polling.

FAQ

Does this block have a separate bankruptcy service ID?

No. The block ID is middesk_bankruptcies, but it runs middesk and reads commercial_data.middesk.bankruptcies.

Should I send lien options?

No. Lien options belong to the Middesk Liens block.

Does onqueue true mean the check finished?

No. It means the job was queued. Poll until statuses.middesk reaches Success or contains an error.

What does an empty bankruptcies array mean?

It means no cases were returned in the stored response. Confirm Success separately.