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Chapter 7 Above Median Calculator

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Estimate qualification in 3-5 minutes

How It Works?

  1. You took this free “Below Median” Chapter 7 calculator, and found that your income may be above your state’s income limit based on your household size.
  2. This “Above Median” Calculator provides an estimate whether you may still qualify for Chapter 7 when your income is above the median.
  3. This calculator uses US Bankruptcy Forms B 122A-1Supp and B 122A-2.
  4. When finished, we provide an estimate and access to local attorneys who can provide free phone evaluations.

What does it take?

  1. Usually takes 3 - 5 minutes
  2. No personal information is required, unless you request additional help
  3. Available in all 50 states

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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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Was any amount of the income you reported for your spouse NOT regularly used for the household expenses of you or your dependants?
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Do you receive any monthly income from the following sources:
  • Alimony and maintenance payments.
  • Net income from operating a business, profession, or farm
  • Net income from rental and other real property
  • Interest, dividends, and royalties
  • Unemployment compensation
  • Pension or retirement income
  • Unemployment compensation
  • Income from all other sources not listed above
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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 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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Accurate Income is Important

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Is your household annual income approximately $0
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What is your debt primarily from?
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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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Automobile Expenses:

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Automobile 1

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Automobile 2

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Other Necessary Expenses

The total monthly amount that you will actually owe for federal, state and local taxes, such as income taxes, self employment taxes, Social Security taxes, and Medicare taxes. You may include the monthly amount withheld from your pay for these taxes. Do not include real estate, sales, or use taxes.
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Are you going to receive any tax refunds?
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The total monthly payroll deductions that your job requires, such as retirement contributions, union dues, and uniform costs.
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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)

Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
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Do you owe any domestic support obligations such as child support or alimony in arrears?
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Almost There!

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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Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from 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.