Welcome to the Chapter 7 Calculator
What is your marital and filing status?
How many people do you take care of in your household (including yourself)?
You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
How many people in your household are 65 or older?
How many of your dependants (excluding a spouse) are over 18 years old?
How often do you receive a paycheck?
Required
How much do you receive in your paycheck BEFORE taxes?
How often does your SPOUSE receive a paycheck?
Required
How much does your SPOUSE receive in their paycheck BEFORE taxes?
Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
What is your average monthly gross income from other sources, e.g. business, retirement, alimony, child supports, etc.?
Which of the following best represents your approximate annual other income?
Does any of your income come from the following sources:
- Social Security Income (SSI)
- Social Security Disability Insurance (SSDI)
- Disability income
Accurate Income is Important
Is your household annual income approximately $0
What is causing you to consider debt relief?
Required
Which best describes the debt?
What best describes why you are considering debt relief?
What is the status of the divorce?
Do you have a pending foreclosure sale?
What is the unexpected expense?
What is the status of the wage garnishment?
Have you filed bankruptcy in the past 6-8 years?
Have you filed a Chapter 7 bankruptcy in the past 8 years?
Have you filed a Chapter 13 bankruptcy in the past 6 years?
When would you want to file bankruptcy?
What is your most pressing question?
Other: Describe your most pressing question.
As you are planning to file soon, we will include an all-in cost estimate for Chapter 7 in your county in your results.
The following questions might help estimate the all-in cost of bankruptcy
Where are you at in the process?
Which of the following are you most interested in?
The bankruptcy process is often held telephonically due to COVID. 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?
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.
Do you have a preference of the attorney's rating and reviews?
Which of the following attributes are the most important regarding the attorney you work with? Select all that apply
What is most important to you?
Approximately how much student loan debt do you have?
Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
Living Expenses:
What is your current living situation?
Approximately how much equity (the difference of owed amount less value) do you have in your home?
Monthly 1st mortgage payment
Monthly 2nd mortgage payment:
Monthly rental expenses for your residence (includes rent payment)
If applicable, how many months are your behind on your mortgage as of this month?
Do you want to keep this asset?
If applicable, how many months are your behind on your 2nd mortgage as of this month?
Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
How much equity do you own in these high value assets?
Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
What is the value of your retirement account?
What is the value of your non-retirement account?
Automobile Expenses:
How many vehicles do you own or lease? Please include your spouse's vehicle(s) if they are filing with you.
Automobile 1
Monthly automobile payment:
What is the Year, Make, and Model of this vehicle?
Approximately what is the interest rate of this vehicle?
Is this vehicle titled in your name?
If applicable, how many months are your behind on your automobile as of this month?
Do you want to keep this asset?
Automobile 2
Monthly 2nd automobile payment:
What is the Year, Make, and Model of this vehicle?
Approximately what is the interest rate of this vehicle?
Is this vehicle titled in your name?
If applicable, how many months are your behind on your 2nd automobile as of this month?
Do you want to keep this asset?
Other Expenses:
Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
What is the balance of these loans?
Do you want to keep this asset?
What is the monthly amount that you pay for other debt that is secured by an asset, such as an RV, jet ski, jewelry, etc.?
Which of the following best represents how much you pay annually to this secured debt?
Did you receive a refund in your most recent tax filing?
What are the tax years for the owed debts?
Did you file a return for all those years?
Approximately when were the returns filed?
Do you owe any domestic support obligations such as child support or alimony in arrears?
Almost There!
Would you like to compare the cost of Chapter 7 bankruptcy to other debt-relief options?
Which options would you like to compare to Chapter 7? Check all that apply
Which of the following do you prefer?
Do you want to save this information and get a copy of your results to your email address?
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.