Welcome to the Chapter 13 Calculator

0
Start
1
About
2
Income
3
Debts
4
Expenses

Expectations:

What do you get?

  1. More precise Chapter 13 payment plan estimate using US Bankruptcy forms
  2. Ability to compare your different options by payment estimates
  3. Bankruptcy specific data that is ready to be sent to an attorney (if you choose)
  4. Free analysis of your information

What does it take?

  1. Usually takes 5 - 10 minutes
  2. Email is required for analysis
  3. Understanding of your debt, income, and expenses
  4. A pay stub is handy, but not required

What is Ascend?

Ascend is a mission based organization to help you:

  1. Simplify complex debt relief calculations
  2. Unbiasedly compare your options with pros and cons
  3. Receive free analysis of those options
  4. Receive access to the most reputable and affordable providers in your area based on what option is best for you

Please note that Ascend can provide free, unbiased information because we may charge a small fee to providers in our network. We take provider reputation seriously. Please see our vetting process to be part of our provider network.

Approximately how much student loan debt do you have?
Required
Approximately how much other unsecured debt do you have? Please include such debts as medical, credit card and personal loan debt.
Required
What is your marital and filing status?
Required
Will you want to apply for a mortgage, auto loan, or co-sign for a student loan in the next 18-24 months?
Required
What is causing you to consider debt relief?
Required
What aspect of COVID-19 is making you consider debt relief?
Required
Would you be willing to share a few sentences about the scam to help recipients of our "scam awareness" newsletter
Required
Could you provide details about the scam?
Required
Would you like to be added to our "scam awareness" newsletter?
Required
Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
Required
How many people are in your household (including yourself)?
Required
How many people in your household are 65 or older?
Required
How many of your dependants (excluding a spouse) are over 18 years old?
Required
What is your current living situation?
Required
Approximately how much equity (the difference of owed amount less value) do you have in your home?
Required
What is your zip code?
Required
Do you own equity in any high value assets such as a vacation home, boat, RV, jewelry, etc?
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?
Required
What is the value of your retirement account?
Required
What is the value of your non-retirement account?
Required

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?
Required
How much do you receive in your paycheck BEFORE taxes?
Required
How would you pay for the bankruptcy?
Required
How often does your SPOUSE receive a paycheck?
Required
How much does your SPOUSE receive in their paycheck BEFORE taxes?
Required
Estimated monthly overtime income
Required
Which of the following best represents your approximate annual overtime income?
Required
Do you receive income from any other sources, e.g. business, retirement, alimony, child supports, etc.?
Required
Other monthly income
Required
Which of the following best represents your approximate annual other income?
Required
How consistent is the amount of your income?
Required
Is your household annual income approximately $0
Required

Monthly Payroll Deductions:

Tax, Medicare, Social Security deductions
Required
Retirement contributions
Required
Required repayments for retirement loans
Required
Insurance
Required
Domestic support obligations
Required
Union dues
Required

Monthly Payroll Deductions:

Health insurance (medical and dental)
Required
Health savings account
Required
Term Life Insurance (term and group term)
Required
Disability insurance
Required
Education that is required
Required
Childcare
Required
Other
Required

Monthly Debt Obligations:

How many vehicles do you own or lease? Please include your spouse's vehicle(s) if they are filing with you.
Required
Monthly automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
A car interest rate may be reduced in some bankruptcy filings. Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
Required
If applicable, how many months are your behind on your automobile as of this month?
Required
Do you want to keep this asset?
Required
Monthly 2nd automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
A car interest rate may be reduced in some bankruptcy filings. Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
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?
Required
Monthly 1st mortgage payment
Required
Monthly 2nd mortgage payment:
Required

Debt Obligations: Owed in Arrears

If applicable, how many months are your behind on your mortgage as of this month?
Required
Do you want to keep this asset?
Required
If applicable, how many months are your behind on your 2nd mortgage as of this month?
Required
Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
Required
What is the balance of these loans?
Required
Do you want to keep this asset?
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
Did you receive a refund in your most recent tax filing?
Required
Tax debt in arrears
Required
What are the tax years for the owed debts?
Required
Did you file a return for all those years?
Required
Approximately when were the returns filed?
Required
Alimony and child support in arrears
Required

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.

Monthly rental expenses for your residence (includes rent payment)
Required
Home maintenance, repair, and upkeep expenses
Required
Other real property expenses not included not included in your income
Required
Mortgages on other property
Required
Monthly real estate taxes
Required
Monthly property, homeowner's, or renter's insurance
Required
Homeowner's association or condominium dues
Required
How much do you owe on your HOA in arrears?
Required

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
Required
Telephone, cell phone, Internet, satellite, and cable services
Required
Other utilities
Required

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
Required
Childcare and child education costs
Required
Clothing, laundry, and dry cleaning
Required
Personal care products and services
Required
Medical and dental expenses
Required
Transportation. Include gas, maintenance, bus or train fare. Do not include car payments
Required
Entertainment, clubs, recreation, newspapers, magazines, and books
Required
Charitable contributions and religious donations
Required
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
Required
Other insurance
Required

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
Required
Additional public transportation expense:
Required
Continued contributions to the care of a household or family member:
Required
Protection against family violence:
Required
Additional home energy costs:
Required
Educational expenses for dependent children who are younger than 18:
Required
Additional food and clothing expense:
Required
Continuing charitable contributions:
Required

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?
Required
Do you see your household income increasing in the next 5 years?
Required
Do you foresee that you will receive any bonuses or lump sum payments in the next 5 years?
Required
For your total unsecured debt of $0, do you owe any to American Express, Capital One or Discover?
Required
Are you being sued by any of your unsecured creditors or is any creditor attempting to garnish you?
Required
Are you currently making payments to the unsecured debt amount of $0?
Required
Approximately how much you are paying towards your unsecured debt each month?
Required

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.

Your Results:

Which of the following would you like to compare your Chapter 13 payment plan estimate, and pros and cons to? Check all that apply
Required
Which of the following do you prefer?
Required
Our data analyst would like to use a credit report, in addition to the data provided, to understand the full context of your situation. We would get necessary information by calling you from (833) 272-3631. The review, including the credit report, is complimentary. Would you like to learn more?
Required

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?
Required
First Name
Required
Last Name
Required
Email address where you would like to see the results
Required
Phone Number
Required
Back
By submitting, you agree to Ascend's Privacy Policy and Terms of Use.
Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different than 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.