Welcome to the Chapter 7 Calculator

What is your marital and filing status?
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How many people are in your household (including yourself)?
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You answered there is only one (1) person in your household, but your marital status is married. Please confirm the number of people in your household.
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How many people in your household are 65 or older?
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Are you 65 or older?
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How many of your dependants (excluding a spouse) are over 18 years old?
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How often do you receive a paycheck?
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How much do you receive in your paycheck BEFORE taxes?
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How would you pay for the bankruptcy?
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How often does your SPOUSE receive a paycheck?
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How much does your SPOUSE receive in their paycheck BEFORE taxes?
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Do you receive income from any other sources, e.g. business, retirement, alimony, child supports, etc.?
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Other monthly income
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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

Is your household annual income approximately $0
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What is causing you to consider debt relief?
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Which best describes the debt?
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What best describes why you are considering debt relief?
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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 unexpected expense?
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What is the status of the wage garnishment?
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Have you been discharged from any bankruptcy in the past 6-8 years?
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Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
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Have you been discharged from 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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Other: Describe 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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Which of the following are you most interested in?
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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?
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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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What is most important to you?
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What is your zip code?
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Approximately how much student loan debt do you have?
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Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include student loans.
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Living Expenses:

What is your current living situation?
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Approximately how much equity (the difference of owed amount less value) do you have in your home?
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Monthly 1st mortgage payment
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Monthly 2nd mortgage payment:
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If applicable, how many months are your behind on your mortgage as of this month?
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Do you want to keep this asset?
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If applicable, how many months are your behind on your 2nd mortgage as of this month?
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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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How much equity do you own in these high value assets?
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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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What is the value of your retirement account?
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What is the value of your non-retirement account?
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Automobile Expenses:

How many vehicles do you own or lease? Please include your spouse's vehicle(s) if they are filing with you.
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Automobile 1

Monthly automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your automobile as of this month?
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Do you want to keep this asset?
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Automobile 2

Monthly 2nd automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your 2nd automobile as of this month?
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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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What is the balance of these loans?
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Do you want to keep this asset?
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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.?
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Which of the following best represents how much you pay annually to this secured debt?
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Did you receive a refund in your most recent tax filing?
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Tax debt in arrears
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What are the tax years for the owed debts?
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Did you file a return for all those years?
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Approximately when were the returns filed?
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Do you owe any domestic support obligations such as child support or alimony in arrears?
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Alimony in arrears
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Child support in arrears
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Almost There!

Would you like to compare the cost of Chapter 7 bankruptcy to other debt-relief options?
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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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Do you want to save this information and get a copy of your results to your email address?
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Note: 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.

First Name
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Last Name
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Email address where you would like to see the results
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Phone Number
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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.