# Bankruptcy Observer (remote · mcp.bankruptcyobserver.com)

US business bankruptcy MCP: filings, dockets, documents, case summaries. Free tier + subscription.

- Trust score: 60/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.bankruptcyobserver.com`: 60/100 (this document), [markdown](https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp.md), [page](https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp)

## Channel facts

- Endpoint: `https://mcp.bankruptcyobserver.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 18 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 62/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2041 tokens (~113/item across 18 items; 18 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 87/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 61% of tool parameters carry a description.
- **Capabilities**: 40/100
  - Spec-recency check failed: implements MCP spec 2025-03-26; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-bankruptcyobserver-mcp https://mcp.bankruptcyobserver.com/mcp
```

### Codex

```toml
[mcp_servers.com-bankruptcyobserver-mcp]
url = "https://mcp.bankruptcyobserver.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-bankruptcyobserver-mcp": {
      "type": "remote",
      "url": "https://mcp.bankruptcyobserver.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-bankruptcyobserver-mcp --url https://mcp.bankruptcyobserver.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-bankruptcyobserver-mcp:
    url: "https://mcp.bankruptcyobserver.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-bankruptcyobserver-mcp": {
      "type": "http",
      "url": "https://mcp.bankruptcyobserver.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 60, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-01 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 58, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 57, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-28 (score 57, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 56, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 55)

First indexed and scored.

## MCP tools (18)

### `search_bankruptcy_cases_tool` (~114 tokens)

Search US business bankruptcy cases by debtor name. FREE (exact/prefix, no *): limited fields, no auth. Use *term for contains (paid). Optional court filter.

Input parameters:

- `court_id` (string)
- `court_state` (string): 2-letter state to filter court name.
- `limit` (integer): Max results (1-100). Default 25.
- `search_term` (string): Debtor name (prefix or *contains)
- `skip` (integer): Offset for paging.

### `get_case_by_ein_tool` (~87 tokens)

Look up case by debtor EIN. Paid (full data + optional last filing date). live_update (subscribers) triggers one-time source refresh.

Input parameters:

- `debtor_ein` (string, required)
- `include_last_filing` (boolean): Include lastFilingDate from docket (slower).
- `live_update` (boolean): One-time refresh from source (subscribers only).

### `get_case_by_case_number_tool` (~87 tokens)

Look up case(s) by short case number (e.g. 26-10543). FREE for 7-digit format (limited fields, all courts). Paid: full + live_update + court filter.

Input parameters:

- `court_id` (string)
- `court_state` (string)
- `live_update` (boolean)
- `short_case_number` (string, required)

### `get_cases_by_industry_tool` (~61 tokens)

Cases by industry label or key (Hotels, Retail, real-estate, etc.). Paid.

Input parameters:

- `end_date` (string)
- `industry` (string, required)
- `limit` (integer)
- `start_date` (string)

### `get_cases_by_naics_tool` (~55 tokens)

Cases by NAICS (2-4 digits). Paid.

Input parameters:

- `end_date` (string)
- `limit` (integer)
- `naics` (string, required)
- `start_date` (string)

### `get_cases_by_state_tool` (~51 tokens)

Cases by debtor state (2-letter). Paid.

Input parameters:

- `end_date` (string)
- `limit` (integer)
- `start_date` (string)
- `state` (string, required)

### `get_cases_by_date_range_tool` (~57 tokens)

Cases filed in date range on dateFiled. Omitting both dates defaults to yesterday. Paid.

Input parameters:

- `end_date` (string)
- `limit` (integer)
- `start_date` (string): YYYY-MM-DD

### `get_docket_entries_tool` (~247 tokens)

Docket entries for a case. Each entry includes docket_id — call get_document_tool with that docket_id (no accept_charge) for an inline cost preview, then again with accept_charge: true to download the PDF. Pass simple_name (preferred, see list_monitored_cases_tool) or short_case_number / case_number (e.g. 26-42901; use court_state to disambiguate). Single-Case Agent: monitored cases only. Set limit up to 50 for more entries (default 25). Optional live_update refreshes from court sources first. Subscribers only.

Input parameters:

- `case_number` (string): Short or full case number (e.g. 26-42901 or 1-26-42901); use court_state to disambiguate.
- `court_id` (string)
- `court_state` (string)
- `limit` (integer): Max entries to return (default 25, max 50).
- `live_update` (boolean)
- `short_case_number` (string): Alias for case_number.
- `simple_name` (string): Case simpleName (e.g. 1251-pacific-st-llc).

### `get_case_summary_tool` (~154 tokens)

Plain-English structured summary of one case: debtor, chapter, court, case number, key dates (filed, plan confirmed, discharged, closed), asset/liability ranges, nature of business, judge, and AI-extracted case profile data when available. Pass simple_name (preferred, see list_monitored_cases_tool) or a 7-digit case_number. Subscribers only.

Input parameters:

- `case_number` (string): 7-digit short case number (e.g. 26-10543); use court_state to disambiguate.
- `court_state` (string): 2-letter state to disambiguate case_number.
- `simple_name` (string): Case simpleName (e.g. SILVER-AIRWAYS).

### `get_document_cost_tool` (~292 tokens)

Preview the cost to download a court filing PDF. Identify the entry with docket_id (preferred) or simple_name + item_number (legacy connectors). Does not pull the document and does not charge. Same preview as get_document_tool when accept_charge/download is omitted. Confirm the cost with the user before download. Cost is $0 if already purchased, or if the PDF is already in our library and the plan has flagFreeLibrary. Free-page allowances (if any) come from plan limitDocuments and apply to billable pulls. Returns page_count, chargeable_pages, cost, plan_limit_documents, pages_used_this_period, free_pages_remaining, document_in_library, and already_owned.

Input parameters:

- `accept_charge` (boolean): Optional. Omit or false for cost preview only. true after the user explicitly approves the previewed cost.
- `docket_id` (string): Preferred: docket entry id (40-character hex hash) from get_docket_entries_tool or get_recent_developments_tool.
- `download` (boolean): Optional legacy alias for accept_charge:true (some connectors cannot pass accept_charge).
- `item_number` (integer): Legacy/alternate: docket item number (e.g. 1 for the petition). Use with simple_name.
- `simple_name` (string): Legacy/alternate: case simpleName (e.g. 1251-pacific-st). Use with item_number when docket_id is unavailable.

### `get_document_tool` (~241 tokens)

Court filing PDF. Identify the entry with docket_id (preferred) OR simple_name + item_number (legacy cached connectors). Step 1: cost preview — omit accept_charge/download or set false. Step 2: after user confirms, call with accept_charge:true or download:true to purchase and download (signed URL). Returns docket_id in the preview so follow-up calls can use the hash. Pulls from PACER when needed.

Input parameters:

- `accept_charge` (boolean): Optional. Omit or false for cost preview only. true after the user explicitly approves the previewed cost.
- `docket_id` (string): Preferred: docket entry id (40-character hex hash) from get_docket_entries_tool or get_recent_developments_tool.
- `download` (boolean): Optional legacy alias for accept_charge:true (some connectors cannot pass accept_charge).
- `item_number` (integer): Legacy/alternate: docket item number (e.g. 1 for the petition). Use with simple_name.
- `simple_name` (string): Legacy/alternate: case simpleName (e.g. 1251-pacific-st). Use with item_number when docket_id is unavailable.

### `list_monitored_cases_tool` (~75 tokens)

List the cases on your BankruptcyObserver.com monitoring list (case_id, simple_name, name, chapter, court, case number, dateFiled, last docket date). Use get_docket_entries_tool for docket_id values passed to get_document_tool. Requires your MCP token to be linked to your subscriber account. Subscribers only.

### `add_monitored_case_tool` (~136 tokens)

Add a bankruptcy case to your BankruptcyObserver.com monitoring list so BKO checks the court hourly and updates the docket every business day. Pass simple_name or a 7-digit case_number (with court_state when needed). Subscribers only; respects your plan monitoring limit.

Input parameters:

- `case_number` (string): 7-digit short case number alternative to simple_name.
- `court_id` (string): Optional court id to disambiguate case_number.
- `court_state` (string): 2-letter state to disambiguate case_number.
- `simple_name` (string): Case simpleName (e.g. SILVER-AIRWAYS).

### `refresh_docket_tool` (~120 tokens)

Request an immediate docket refresh from court sources for one case (slower; use when you need the latest filings now). Pass simple_name or case_number. Single-Case Agent: monitored cases only. Full Access: any case. Subscribers only.

Input parameters:

- `case_number` (string): 7-digit short case number alternative.
- `court_id` (string): Optional court id to disambiguate case_number.
- `court_state` (string): 2-letter state to disambiguate case_number.
- `simple_name` (string): Case simpleName.

### `get_recent_developments_tool` (~119 tokens)

What happened recently? Docket entries since a date (default: last 7 days) for one monitored case (simple_name) or ALL your monitored cases when simple_name is omitted. Newest first, with item numbers, dates, text, and counts. Subscribers only.

Input parameters:

- `limit` (integer): Max entries (default 100, max 250).
- `simple_name` (string): Optional case simpleName; omit for all monitored cases.
- `since_date` (string): YYYY-MM-DD; default 7 days ago.

### `list_plans_tool` (~40 tokens)

List available BKO subscription plans (sourced from VwSubscriptions where service = BKO) with current pricing and agent tiers. No auth required.

### `purchase_plan_tool` (~69 tokens)

Get Stripe checkout URL for a plan. No auth required. Pass plan_id (from list_plans_tool) and optional email.

Input parameters:

- `email` (string): Optional email to prefill on Stripe checkout
- `plan_id` (string, required): Plan id or stripe price id from list_plans_tool

### `check_subscription_tool` (~36 tokens)

Check your MCP subscription status and remaining quota. Uses credentials from the request if api_key omitted.

Input parameters:

- `api_key` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp#diagnostics

## Score history

- 2026-08-03: 60
- 2026-08-02: 59
- 2026-08-01: 59
- 2026-07-31: 58
- 2026-07-30: 57
- 2026-07-29: 57
- 2026-07-28: 57
- 2026-07-27: 56
- 2026-07-26: 55

## Links

- Remote endpoint: https://mcp.bankruptcyobserver.com/mcp
- Repository: https://github.com/jmtroller/mcp-documentation
- Changelog RSS feed: https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-bankruptcyobserver-mcp/mcp