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Chapter 7 Calculator

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Estimate cost in 2-3 minutes

What do you get?

  1. Chapter 7 means test estimate using US Bankruptcy forms
  2. Ability to compare your different options by payment estimates
  3. Free analysis of your information

What does it take?

  1. Usually takes 2 - 3 minutes
  2. No personal information required unless additional analysis requested
  3. Available in all 50 states

We Help Prevent You From Choosing the Wrong Debt Relief. See What Others Say About Our 100% Free Service.

5.0/5.0 - 344 Reviews
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Joanne Walters
 05/03/2022
We had no idea these guys existed!! What they do is help you navigate through all the options when your debt becomes overwhelming. We stressed and had so much anxiety until Ben helped with explaining everything and getting us in touch with the right people. We can sleep at night knowing we found the right solution for us. Ben you are truly amazing at what you do, can't thank you enough.
tony okrongly
 07/14/2023
I used the bankruptcy calculator. You never know what you'll get once you give your information. I was impressed with the personal nature of the contact I received and the comprehensive nature of the solutions offered. This is a great service because they offer a wide range of options from bankruptcy to paying all your debt off and they tell you in detail how each option works.
Chezera Davids
 10/18/2022
I was in tears and all by myself. I have always paid my bills, and I was always on time with my payments. Due to a custody battle, I was on my own. I had no way to feed my kids do to a garnishment. Justin reassured me that everything was going to be OK, and that I had options that I was not aware of. I am so grateful for him. He went above and beyond he delivered the most amazing service, I’ve ever had. I will forever be grateful.
What is your marital and filing status?
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You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
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Are you 65 or older?
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Which of the following best represents your approximate annual overtime income?
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Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
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Which of the following best represents your approximate annual other income?
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Does any of your income come from the following sources:
  • Social Security Income (SSI)
  • Social Security Disability Insurance (SSDI)
  • Disability income
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Accurate Income is Important

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Is your household annual income approximately $0
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Which best describes the debt?
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What is the status of the divorce?
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Do you have a pending foreclosure sale?
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What is the status of the wage garnishment?
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Have you filed bankruptcy in the past 6-8 years?
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Have you filed a Chapter 7 bankruptcy in the past 8 years?
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Have you filed a Chapter 13 bankruptcy in the past 6 years?
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When would you want to file bankruptcy?
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What is your most pressing question?
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As you are planning to file soon, we will include an all-in cost estimate for Chapter 7 in your county in your results.
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The following questions might help estimate the all-in cost of bankruptcy

Where are you at in the process?
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Would you like us to try to find a reputable bankruptcy attorney that charges lower fees and matches your preferences?
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Does that quote include the $338 filing fee?
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What method of payment are you most interested in?
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Do you prefer an attorney that is physically close to you but may charge higher fees, or an attorney that serves your location, but is not necessarily physically closer and charges lower fees?
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Do you have a preference about your attorney's experience? More experience may mean slightly higher cost, but often a greater understanding of the law.
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Do you have a preference of the attorney's rating and reviews?
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Which of the following attributes are the most important regarding the attorney you work with? Select all that apply
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Would you like to see whether we may be able to help get your student loans discharged or reduced?
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What type of student loans do you have? Check all that apply
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What is the current status of your student loans? Check all that apply
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Do you foresee your income increasing in the future?
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Have you made any payments ever on your student loans?
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Would you like us to review whether your student loans may get discharged or interest rate reduced and contact you with our questions?
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Are you sure that you only have $0 in unsecured debt?
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Which of the following is the biggest reason you are considering bankruptcy?
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Would you estimate that your total unsecured debt (credit cards, loans, medical debt, other debt etc.) is over $10,000?
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Living Expenses:

What is your current living situation?
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Have you looked into any of the following options to tap into home equity (Select all that apply)?
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Have you applied or are you in the process for any of the options selected above?
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Would you like to learn more about any of the potential options available?
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Feel free to use your most recent score from TransUnion, Equifax or Experian.
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Do you currently have any liens on the property?
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Have you lived in your state for more than 2 years?
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Do you want to keep this asset?
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Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
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Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
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Automobile Expenses:

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Automobile 1

Did you purchase this vehicle before March 24, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Automobile 2

Did you purchase this vehicle before March 24, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Other Expenses:

Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
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Do you want to keep this asset?
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Did you receive a refund in your most recent tax filing?
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Do you know approximately how much tax debt you owe?
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Do you owe any domestic support obligations such as child support or alimony in arrears?
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Losing Belongings in Chapter 7 Bankruptcy

When you file for Chapter 7 bankruptcy, you may be required to surrender certain assets to help repay your remaining debt, depending on their value and available equity.

Would you like us to provide an estimate of whether or not your assets are protected if you file Chapter 7?
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Almost There!

Which of the following options would you like to compare estimates, and pros and cons of? Check all that apply
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Which of the following do you prefer?
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Would it be okay if we also sent you an email with your results and how to edit them in the future if you are not ready to take any actions?
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Note: Ascend may receive a referral fee if you choose a free consultation. Our partners conduct free, no-hassle evaluations to learn about your options. You can complete it over the phone in as little as 10 minutes. The attorney fees are affordable, and often a flat fee. All initial consultations are 100% free of charge, and all lawyers are licensed in your state. By selecting a partner above to reach out to you, you agree that a partner may contact you (including autodials, pre-recorded calls, and SMS) to answer your questions about relief.

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Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.