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Ascend Finance: Free Bankruptcy and Debt Relief Comparison
Ascend Ascend

Ascend became an expert in all your options to get out of debt, so you don’t have to be. And we do it all for free.

★★★★★ 5 stars based on 300+ reviews Get your free analysis
★★★★★ 5 stars based on 300+ reviews
A woman thoughtfully considering her financial options

Stop Letting
Your Debt Win

Get your relief option in minutes.

Compare every path to get out of debt

  • Actual answers based on your actual numbers
  • Results in 3–5 minutes
  • No impact to your credit
  • No contact info required
Explore Your Options - 100% Free

A message from Justin

“You deserve a life free from debt.”

Learn what to watch out for, and how Ascend does things differently.

Ascend Has Helped Over 500,000 People

588,837 People have taken our calculators (and counting)
Your Results - Debt comparison options
Over 17,000 Subscribers on YouTube
Your Results - Debt comparison options
Perfect 5.0 Rating with Over 300 Reviews on Google
Your Results - Debt comparison options

How They Found Their ACTUAL Solution!

"This felt like a miracle. For the first time in over 20 years, I finally have momentum to get debt free....there was no pressure. I didn't feel judged — just listened to and reassured."

"He literally took the time to break down our budget, our finances, see where we were at, and then he provided what options we had — which was phenomenal...You cannot go wrong. They are great people and there is zero judgment. They're just there to help you."

"It was not a scary process. It felt very personal and it felt like Justin really did care about helping me as a person as opposed to just selling me a product...Frankly, my life is in a much better place now having worked with them."

Our Reviews

5.0
★★★★★
(338 reviews)
View More Google Reviews
A. T.
 02/23/2026
I truly can’t say enough good things about Ascend Finance Corp. I found them late one night while desperately researching debt settlement during one of many sleepless nights. I felt overwhelmed, anxious, and honestly scared about what my financial future might look like.

I have always been someone who pays every bill on time. I’ve never been behind, never late. So finding myself in financial hardship after a major life change that drastically affected my income — along with significant hospital and medical bills — was incredibly humbling. It’s not easy to admit you need help, especially when you’ve always handled everything on your own.

From the very first conversation, Ireny treated me with such kindness, patience, and dignity. She never made me feel ashamed of my situation. She listened. She reassured me. She carefully walked me through every option available and explained everything in a way that made sense when my mind was clouded with stress.

What truly meant the most to me was her honesty. She could have easily pushed me toward their in-house debt settlement program. Instead, she thoughtfully laid out the pros and cons of each path (Bankruptcy, Debt Management (with non Profit Debt Management company) and Debt Settlement) and made sure I understood what each choice would mean long term. She wasn’t trying to “sell” me anything — she was trying to protect me.

Not once did I feel judged. Not once did I feel pressured. During one of the most vulnerable seasons of my life, I felt respected, supported, and genuinely cared about.

After gaining clarity, I ultimately chose to file Chapter 13 bankruptcy. Even then, Ireny didn’t try to steer me in another direction. In fact, she honestly told me that in my situation, bankruptcy would likely provide the protection and structure I needed. She encouraged me to find the right attorney, asked thoughtful questions about the payment terms, and even expressed how relieved she was that I found a lawyer who factored in worst-case scenarios and offered reasonable payment options.

That level of integrity is rare. That level of compassion is even rarer.

I am deeply grateful for the guidance, transparency, and humanity I experienced with Ascend Finance Corp. If you are navigating financial hardship and feeling overwhelmed, you deserve someone who will treat you with honesty and respect — and that is exactly what you’ll find here.
Marc Kerr
 02/06/2026
I highly recommend Ascend Finance. They helped me through a debt relief program, and working with them was the best decision I could have made. They took care of all my debts and handled everything in a timely, professional manner.
The entire team was great, but I worked mostly with Hinten, and he was absolutely amazing. He went above and beyond and made the whole process so much easier. I truly recommend this company — and Hinten is the best.
Susan Crosby
 06/25/2025
I worked with Chelsea and she was the best thing that could have came into my life at that moment. I was in such a downward spiral financially and then emotionally.

She was patient kind and listened to my entire story. She responded to everything authentically. It was easy to tell she wasn't just trying to match an attorney.

And to my amazement the more we talked? She must have been making notes or something. But rather than just not talk to me because I couldn't do what I reached out for? She found another path that actually works and now I have a 15 minute consultation tomorrow.

Ascend needs to give her all the things. Family and friends often dont care this much or are so willing to go above and beyond the cookie cutter ideas. She wants to provide personalized solutions based on our conversations and she didn't give up until she found it.
dahveed krisna
 07/26/2022
Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend's bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend's calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I'm on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me... THANKS Ben, Jeffrey and Ascend!!
Sheldon Rodriguez
 02/12/2026
My experience was absolutely great. I was assigned to Jeffrey and he was the perfect person at the right time . Jeffrey explained things in detail and listened attentively to what I was going through with empathy and understanding.

Jeffrey possess the most calming demeanor, something I needed during this extremely difficult time in my life. Jeffrey checked in with me constantly to ensure that I was okay and that I was comfortable with any of the recommendations provided with absolutelyno pressure, he showed genuine concern. With something as traumatic as financial instability and crisis, Jeffrey has all the right qualities to help anyone through a crisis. I highly recommend this company and I am very grateful to Jeffrey for his compassion and professional guidance.
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FAQs

Ascend built free bankruptcy and debt relief calculators to help you compare your debt relief options, including Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement, debt management, and debt payoff planning.
Since its inception in 2018, over 750,000 individuals across 50 states have taken one of Ascend's debt or bankruptcy calculators that ask questions to help individuals determine, holistically, the best plan forward to get rid of their debt cheaper, easier, and faster.
Here are Ascend's most popular bankruptcy and debt calculators as of April, 2026:
Calculator
# of Takes
Action
Calculator
Chapter 7 Bankruptcy Calculator
# of Takes
212,866
Action
Open Calculator
Calculator
Chapter 13 Bankruptcy Calculator
# of Takes
84,687
Action
Open Calculator
Calculator
Debt Relief Calculator
# of Takes
43,960
Action
Open Calculator
Calculator
Bankruptcy Cost
# of Takes
27,750
Action
Open Calculator
Calculator
Garnishment Calculator
# of Takes
19,762
Action
Open Calculator
Calculator
Above Median Chapter 7 Calculator
# of Takes
12,317
Action
Open Calculator
Calculator
Chapter 7 vs Chapter 13 Bankruptcy
# of Takes
9,147
Action
Open Calculator
Calculator
Best Debt Options Calculator
# of Takes
7,603
Action
Open Calculator
Calculator
Bankruptcy Exemptions
# of Takes
3,345
Action
Open Calculator
Ascend Finance is not a lender or a debt settlement company. We're primarily a comparison platform designed to help you explore and understand your debt relief options. We don't push any single solution; our goal is to help you compare all available options and choose what's best for your situation.
Most companies promote a single solution. Ascend is different; we help you compare multiple paths side-by-side so you can make a more informed decision based on your financial situation.
You start by answering a few simple questions. From there, we generate personalized estimates showing how different options could impact your monthly payments, total cost, and timeline, so you can make a clear, informed decision.
No. You can use the calculator and view your results without speaking to anyone. If you want additional guidance, you can choose to connect with our analysts, but it's completely optional.
Yes, Ascend is completely free. In addition, Ascend does not require you to even enter a phone number or email address to complete the calculator unless you request for Ascend to provide you with additional free resources. If you choose to connect with a partner after reviewing your options, we may earn a referral fee, but a recent study showed that only ~40% of people we connected with actually needed an option that we could connect them with, meaning that ~60% of our calls with individuals were just an informational call where we could send them on their way with a free plan forward. However, you're never required to move forward with anything. Please visit our how ascend works for more information.
No. Using Ascend to explore your options does not affect your credit score.
No. There is no obligation to move forward with any option. Ascend is designed to help you understand your choices so you can decide what's best for you.
After viewing your results, you can explore your options further or choose to connect with a trusted professional if you want help taking the next step.

How Ascend Works

YOU'RE STRESSED FROM DEBT

Breathe. Focus. Begin.

You may be similar to someone we recently helped where your situation is specific and personal, you can't find all the answers, and you feel companies are trying to sell you something

Explore Every Option - Compare debt relief options
YOU TAKE AN ASCEND CALCULATOR

Compare. Understand. Decide.

The free calculator tells you all about how much your option costs, the pros and cons of those options (including potential credit implications), and the duration.

Your Results - Debt comparison options calculator
YOU SCHEDULE CALL WITH US

Talk. Ask. Relax.

Don't worry—you can have as much time as you'd like. 15 minutes is just where we like to start so we can discuss your situation.

There is no limit to the number of calls. Yes, they are always free.

Schedule Call - Talk, Ask, Relax with Ascend
WE PROVIDE 100% FREE ANALYSIS

Analyze. Explain. Empower.

We break down your situation and give you a full analysis from a soft credit report (optional, no credit impact)—completely fee free. No hidden fees, no obligations—just clear insights to help you make the best choice for your future.

Free Analysis - Analyze, Explain, Empower with Ascend

How Is Ascend Free?

We provide 100% free, unbiased calls — and as many as you need to feel confident about your options. Our goal is to help you compare every debt option clearly, without pressure.

If it makes sense during our conversation to connect you with one of our trusted partners for a free consultation, we may be compensated for that referral. That's what allows us to keep our calls completely free while still operating as a business.

To stay transparent, only 18.9% of people who've completed a form with us in 2024 have moved forward with a partner — so we're happy to help you either way.

Find Your Option Today.

We help you compare all debt options— in a way that's actually clear, honest, and tailored to your situation. No pressure. Just the tools and guidance you need to make the most informed decision.

Get Started

Takes 1 - 2 Minutes