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Welcome to the Chapter 13 Calculator

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

5.0/5.0 - 270 Reviews
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Synthia DuBose
 08/21/2023
My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.

I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin's approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.

Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!
dahveed krisna
 07/26/2022
Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend's bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend's calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I'm on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me... THANKS Ben, Jeffrey and Ascend!!
JorJor Binks
 02/09/2024
These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.

PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)
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.
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 auto or student loans.
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Which of the following best represents your approximate unsecured debt?
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Are you sure that you only have $0 in unsecured debt?
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What is your marital and filing status?
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How many people do you take care of in your household (including yourself)?
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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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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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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 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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Other: Describe your most pressing question.
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What is your zip code?
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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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What is the total amount that you owe to pay off your home?
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Monthly 1st mortgage payment
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Monthly 2nd mortgage payment:
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Would you like us to provide an estimate of your home’s value and equity you have?
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What is your current street address?
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What state do you live in?
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Would you like us to estimate whether you qualify for a HELOC?
To check the rates and terms you qualify for, Figure (HELOC partner) will conduct a soft credit pull that does NOT affect your credit score.
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Do any of these apply to you?
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How much would you like to borrow?
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What is the mortgage balance remaining on your home?
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What is the purpose of your loan?
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What is your employment status?
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Would you like us to estimate whether you qualify for a consolidation loan?
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What is your fico score?
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What is your date of birth?
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Last 4 Digits of SSN
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What is your housing status?
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What is the purpose of your loan?
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What is your monthly housing cost?
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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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Income:

You added that your spouse is filing with you or your spouse is not filing with you, but you are not legally separated.

Please include your spouse's income in addition to your income in the questions on this page only.

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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Estimated monthly overtime income
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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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Other monthly income
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Which of the following best represents your approximate annual other income?
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How consistent is the amount of your income?
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Accurate Income is Important

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Is your household annual income approximately $0
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Monthly Payroll Deductions:

Tax, Medicare, Social Security deductions
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Retirement contributions
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Required repayments for retirement loans
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Insurance
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Domestic support obligations
The total monthly amount that you pay as required by the order of a court or administrative agency, such as spousal or child support payments.
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Union dues
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Monthly Payroll Deductions:

Health insurance (medical and dental)
The monthly expenses for health insurance that are reasonably necessary for yourself, your spouse, or your dependents.
Required
Health savings account
The monthly expenses for health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents.
Required
Term Life Insurance (term and group term)
The total monthly premiums that you pay for your own term life insurance. If two married people are filing together, include payments that you make for your spouse’s term life insurance. Do not include premiums for life insurance on your dependents, for a non-filing spouse’s life insurance, or for any form of life insurance other than term.
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Disability insurance
The monthly expenses for disability insurance that are reasonably necessary for yourself, your spouse, or your dependents.
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Education that is required
The total monthly amount that you pay for education that is either required: as a condition for your job, or for your physically or mentally challenged dependent child if no public education is available for similar services.
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Childcare
The total monthly amount that you pay for childcare, such as babysitting, daycare, nursery, and preschool. Do not include payments for any elementary or secondary school education.
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Other
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Monthly Debt Obligations:

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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Monthly rental expenses for your residence (includes rent payment)
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Would you like us to provide an estimate of your car’s value?
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What is the make of your car?
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What is the year of your car?
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What is the current mileage on your car?
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What is the condition of your vehicle
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How much do you have left to pay for your car loan
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What is the model of your car?
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What trim does your car have?
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Debt Obligations: Owed in Arrears

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 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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Main Expenses:

You added that your spouse is filing with you or your spouse is not filing with you, but you are not legally separated.

Please include your spouse's main expenses as well on this page.

Home maintenance, repair, and upkeep expenses
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Other real property expenses not included not included in your income
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Mortgages on other property
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Monthly real estate taxes
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Monthly property, homeowner's, or renter's insurance
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Homeowner's association or condominium dues
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How much do you owe on your HOA in arrears?
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Utility Expenses:

You added that your spouse is filing with you or your spouse is not filing with you, but you are not legally separated.

Please include your spouse's utility expenses as well on this page.

Electricity, heat, natural gas
Required
Water, sewer, garbage collection
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Telephone, cell phone, Internet, satellite, and cable services
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Other utilities
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Personal Expenses:

You added that your spouse is filing with you or your spouse is not filing with you, but you are not legally separated.

Please include your spouse's personal expenses as well on this page.

Food and housekeeping supplies
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Childcare and child education costs
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Clothing, laundry, and dry cleaning
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Personal care products and services
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Medical and dental expenses
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Transportation. Include gas, maintenance, bus or train fare. Do not include car payments
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Entertainment, clubs, recreation, newspapers, magazines, and books
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Charitable contributions and religious donations
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Alimony, Maintenance or Support (not already counted in Monthly Payroll Deductions):
Required

Insurance Expenses:

Do not include insurance deducted from your pay.

You added that your spouse is filing with you or your spouse is not filing with you, but you are not legally separated.

Please include your spouse's insurance expenses as well on this page.

Life insurance
Required
Health insurance
Required
Vehicle insurance
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Other insurance
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Less Common Expenses:

Do you have any of the following less common expenses:
  • Additional public transportation expense
  • Continued contributions to the care of a household or family member
  • Protection against family violence
  • Additional home energy costs
  • Educational expenses for dependent children who are younger than 18
  • Additional food and clothing expense
  • Continuing charitable contributions
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Additional public transportation expense:
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Continued contributions to the care of a household or family member:
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Protection against family violence:
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Additional home energy costs:
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Educational expenses for dependent children who are younger than 18:
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Additional food and clothing expense:
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Continuing charitable contributions:
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We Need Additional Information:

Your data shows an estimated Chapter 13 monthly payment that may be high based on the official Chapter 13 disposable income form.

The following questions will help us understand your data better.

Which of the following programs are you currently enrolled in?
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Do you see your household income increasing in the next 5 years?
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Do you foresee that you will receive any bonuses or lump sum payments in the next 5 years?
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For your total unsecured debt of $0, do you owe any to American Express, Capital One or Discover?
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Are you being sued by any of your unsecured creditors or is any creditor attempting to garnish you?
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Are you currently making payments to the unsecured debt amount of $0?
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Approximately how much you are paying towards your unsecured debt each month?
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Ascend specializes in all debt relief options, not just bankruptcy. Based on your information, we would like to compare your options If you're interested, please select, "A data analyst reviews your data and sends insights to you" on the next page.

Almost There!

Would you like to compare your Chapter 13 payment plan estimate to other debt-relief options?
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Which options would you like to compare to Chapter 13? 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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Would you like us to review your credit report with you?
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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.

First Name
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Last Name
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Email address
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Phone Number
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