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Chapter 7 Above Median

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Expectations:

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.
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 your zip code?
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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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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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What is the total income from all of those sources combined?
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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 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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Accurate Income is Important

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Is your household annual income approximately $0
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Are your debts primarily consumer debts?
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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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Monthly 1st mortgage payment
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Monthly 2nd mortgage payment:
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If applicable, how many months are your behind on your mortgage as of this month?
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If applicable, how many months are your behind on your 2nd mortgage as of this month?
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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

Monthly automobile payment:
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If applicable, how many months are your behind on your automobile as of this month?
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Automobile 2

Monthly 2nd automobile payment:
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If applicable, how many months are your behind on your 2nd automobile as of this month?
Required

Other Necessary Expenses

Tax, Self Employed, Medicare, Social Security deductions
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.
Required
Are you going to receive any tax refunds?
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How much are you expecting to receive in your next tax refund?
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Involuntary deductions?
The total monthly payroll deductions that your job requires, such as retirement contributions, union dues, and uniform costs.
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.
Required
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.
Required
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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What are your healthcare expenses that do not include insurance?
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.
Required
Do you have any optional telephone services?
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
Required

Less Common Expenses:

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
Disability insurance
The monthly expenses for disability insurance that are reasonably necessary for yourself, your spouse, or your dependents.
Required
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:
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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:
Required

Debt Obligations: Owed in Arrears

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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Tax debt in arrears
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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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Almost There!

Which of the following do you prefer?
Required

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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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.