Chapter 7 vs Chapter 13 Calculator
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Expectations:
What do you get?
Chapter 7 qualification estimate based on means test
Chapter 13 plan payment and duration estimate
100% free, based on official US Bankruptcy Forms
Available in all 50 states
How often do you receive a paycheck?
Weekly
Paid every 2 Fridays (Bi-Weekly)
Paid 15th and 31st (Semi-Monthly)
Monthly
Annually
Not Applicable (Not being paid)
Required
How much do you receive in your
paycheck BEFORE taxes?
Required
How would you pay for the bankruptcy?
Savings
Family
Friend
Partner
Tax Refund
SSN Income
VA Disability Income
I Plan To File Without An Attorney
Other
Required
Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
Yes
No
Required
Other
monthly
income
Required
Which of the following best represents your approximate
annual
other income?
Monthly
Yearly
Required
Accurate Income is Important
Required
Required
Is your household
annual
income approximately
$0
Yes
No
Required
What is causing you to consider debt relief?
Reduced Income
Job Loss
Divorce
Medical Expenses
Debt Collection Calls
Debt Collection Lawsuit Threat
Unexpected Expenses
Credit Card(s) Interest Rate Increases
Inflation
Foreclosure
Wage Garnishment
Gambling
Other
Required
Which best describes the debt?
Debt is current, and will not fall behind
Debt is current, but may go past due soon
Debt is past due, and I am getting constant collection calls
Creditor has threatened to sue me
Creditor sued me in a debt collection lawsuit
I have a recent judgment against me
Required
What best describes why you are considering debt relief?
Required
What is the status of the divorce?
The divorce has not been filed
The divorce has been filed
The divorce has been finalized
Required
Do you have a pending foreclosure sale?
Yes
No
Required
What is the unexpected expense?
Required
What is the status of the wage garnishment?
I am being actively garnished
I have been notified that garnishment will start, but it has not yet started
I have received a writ of garnishment
I have a judgment against me, but not garnishment has started
Required
Have you filed bankruptcy in the past 6-8 years?
Yes
No
Required
Have you filed a Chapter 7 bankruptcy in the past 8 years?
Yes
No
Required
Have you filed a Chapter 13 bankruptcy in the past 6 years?
Yes
No
Required
How many people do you take care of in your household (including yourself)?
Required
You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
1
2
Required
How many people in your household are 65 or older?
Required
Are
you
65 or older?
Yes
No
Required
How many of your dependants (excluding a spouse) are over 18 years old?
Required
Required
Required
What is your zip code?
Required
Living Expenses:
What is your current living situation?
Own
Rent
Other
Required
Approximately how much equity (the difference of owed amount less value) do you have in your home?
Required
Have you lived in
your state
for more than 2 years?
Yes
No
Required
Monthly 1st mortgage payment
Required
Monthly 2nd mortgage payment:
Required
If applicable, how many months are your behind on your mortgage as of this month?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
If applicable, how many months are your behind on your 2nd mortgage as of this month?
Required
Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
Yes
No
Required
How much equity do you own in these high value assets?
Required
Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
Yes
No
Required
What is the value of your retirement account?
Required
What is the value of your non-retirement account?
Required
Automobile Expenses:
How many vehicles do you own or lease?
Please include your spouse's vehicle(s) if they are filing with you.
Required
Automobile 1
Did you purchase this vehicle before March 22, 2024?
Yes
No
Required
Monthly automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
Yes
No
Required
If applicable, how many months are your behind on your automobile as of this month?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
Automobile 2
Did you purchase this vehicle before March 22, 2024?
Yes
No
Required
Monthly 2nd automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
Yes
No
Required
If applicable, how many months are your behind on your 2nd automobile as of this month?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
Other Expenses:
Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
Required
Which of the following best represents your approximate unsecured debt?
1x
1000x
Required
Are you sure that you only have
$0
in unsecured debt?
Yes
No
Not Sure
Required
Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
Yes
No
Unsure
Required
What is the
balance
of these loans?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
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.?
Required
Which of the following best represents how much you pay
annually
to this secured debt?
Monthly
Yearly
Required
Did you receive a refund in your most recent tax filing?
Yes
No
Required
Do you know approximately how much tax debt you owe?
Yes
No
Required
Approximate tax debt you owe
Required
Do you owe any domestic support obligations such as child support or alimony in arrears?
Yes
No
Required
Alimony in arrears
Required
Child support in arrears
Required
Almost There!
A bankruptcy attorney that serves
Santa Clara County
would like to review these results with you in a free consultation. Is that okay?
Yes
No
Required
First Name
Required
Last Name
Required
Email address
Required
Phone Number
Required
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