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Household Size

Part of being able to qualify for Chapter 7 Bankruptcy is determining if you’ll pass the bankruptcy means test. The means test looks at household size, location, and your income. Let’s start with your household size.

What is your marital and filing status?
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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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Are you 65 or older?
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Income:

We will next look at all of the different income sources you may have. Approximates are okay.

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Less Common Incomes:

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Accurate Income is Important

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Is your household annual income approximately $0
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Location:

Where you live may determine whether or not your income exceeds your state’s income limit, which may impact eligibility for Chapter 7 bankruptcy.

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Approximate Debt Balances:

Let's break down your debt balances and your debt types to see what may be forgiven in bankruptcy.

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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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Which of the following is the biggest reason you are considering bankruptcy?
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Would you estimate that your total unsecured debt (credit cards, loans, medical debt, other debt etc.) is over $10,000?
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You are considering bankruptcy on $0 in debt, which is under $7,000, and we would like to do a soft credit pull (which does not affect your credit) to confirm your debt amount. Would that be okay?
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Is the majority of your unsecured debt high-interest credit cards?
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Do you need to use your savings to keep up with your payments?
Ex: At the end of the month, I consistently have less money in my savings account than I did at the beginning of the month.
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Are your debts primarily consumer debts (i.e. Personal, Family, or Household)?
For example, please select no if your debts are primarily business debts.
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Do you have an active freeze or lock on your credit with Equifax?
To use this feature, you will need to remove the freeze temporarily. More information: https://www.equifax.com/personal/credit-report-services/credit-freeze/
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To use this feature, you would need to remove the active freeze or lock with Equifax and then click "No" above.

What's Your Legal Name?

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What's Your Address?

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Have you moved in the past year and/or have a previous address?
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United States (US)
Update Address
United States (US)
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What's Your Previous Address?

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When's Your Birthday?

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What Are The Last 4 Digits of Your Social Security Number?

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Are you a disabled veteran?
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Are you or have you been a Reservist or member of the National Guard?
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Living Expenses:

What is your current living situation?
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Do you want to keep this asset?
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Automobile Expenses:

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Automobile 1

Did you purchase this vehicle before February 17, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Automobile 2

Did you purchase this vehicle before February 17, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Other Necessary Expenses

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Are you going to receive any tax refunds?
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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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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. Do not include payments on past due obligations for spousal or child support.
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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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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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The monthly amount that you pay for health care that is required for the health and welfare of you or your dependents and that is not reimbursed by insurance or paid by a health savings account.
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The total monthly amount that you pay for telecommunication services for you and your dependents, such as pagers, call waiting, caller identification, special long distance, or business cell phone service, to the extent necessary for your health and welfare or that of your dependents or for the production of income, if it is not reimbursed by your employer. Do not include payments for basic home telephone, internet and cell phone service, or self-employment expenses (such as those which would be reported on line 5 of Official Form 122A-1, or any amount you previously deducted)
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Less Common Expenses:

The monthly expenses for health insurance that are reasonably necessary for yourself, your spouse, or your dependents.
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The monthly expenses for health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents.
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The monthly expenses for disability insurance that are reasonably necessary for yourself, your spouse, or your dependents.
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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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Debt Obligations: Owed in Arrears

(Money that is overdue, past due, or unpaid after its scheduled payment date)

Did you receive a refund in your most recent tax filing?
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Do you know approximately how much tax debt you owe?
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Do you owe any domestic support obligations such as child support or alimony in arrears?
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Filing Context:

These final questions are designed to look at the context behind your bankruptcy filing, see whether you've filed before, as that could affect qualification, and get your attorney's preferences.

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Which best describes the debt?
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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 status of the wage garnishment?
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Which of the following programs are you currently enrolled in?
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Do any of these situations apply to you? (Check all that apply)
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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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As you are planning to file soon, we will include an all-in cost estimate for Chapter 13 including attorney fees 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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Would you like us to try to find a reputable bankruptcy attorney that charges lower fees and matches your preferences?
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Does that quote include the $338 filing fee?
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What method of payment are you most interested in?
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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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Almost There!

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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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.

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