Welcome to the Chapter 7 Calculator

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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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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Is your household annual income approximately $0
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What is causing you to consider debt relief?
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What aspect of COVID-19 is making you consider debt relief?
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Would you be willing to share a few sentences about the scam to help recipients of our "scam awareness" newsletter
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Could you provide details about the scam?
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Would you like to be added to our "scam awareness" newsletter?
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Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
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How many people are in your household (including yourself)?
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How many people in your household are 65 or older?
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How many of your dependants (excluding a spouse) are over 18 years old?
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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 other unsecured debt do you have? Please include such debts as medical, credit card and personal loan debt.
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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, jewelry, 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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Monthly automobile payment:
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What is the Year, Make, and Model of this vehicle?
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A car interest rate may be reduced in some bankruptcy filings. 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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Monthly 2nd automobile payment:
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What is the Year, Make, and Model of this vehicle?
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A car interest rate may be reduced in some bankruptcy filings. 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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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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Alimony and child support in arrears
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Your Results:

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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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.

The calculator results are often complicated, and you may want to revise them. What is most helpful for you?
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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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