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Free $0 Chapter 7 Bankruptcy Estimator

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Estimate cost in 2-5 minutes

What do you get?

  1. Estimate Whether You Qualify for a Free Chapter 7 Bankruptcy With No Money
  2. Calculator Based on Federal Pay Guidlines for Fee Waivers
  3. Free Comparison of Filing Estimates With Software or Attorney

What does it take?

  1. Usually Takes 2 - 5 Minutes
  2. 100% Free Calculator
  3. Available in all 50 states

See What Others Say About Our 100% Free Service.

5.0/5.0 - 340 Reviews
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8 Minute Testimonial
I Can Still Keep My House and Car
Jayme and Jerry Are Now Debt Free
This felt like a miracle
Ascend Was a Godsend
Are you comfortable filing out 10+ bankruptcy forms (Example: Voluntary Petition)?
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Are you comfortable attending the meeting of creditors without an attorney present?
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Are you able to gather and keep track of necessary documents (i.e. tax return, list of creditors, pay stubs, etc.)?
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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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Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
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Which of the following best represents your approximate annual other income?
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Does any of your income come from the following sources:
  • Social Security Income (SSI)
  • Social Security Disability Insurance (SSDI)
  • Disability income
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Accurate Income is Important

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Is your household annual income approximately $0
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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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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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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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Living Expenses:

What is your current living situation?
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Do you want to keep this asset?
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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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Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
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Automobile Expenses:

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Automobile 1

Did you purchase this vehicle before February 28, 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 28, 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 Expenses:

Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
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Do you want to keep this asset?
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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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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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Almost There!

If you do not qualify for a $0 free bankruptcy but are eligible for bankruptcy filing software under $100. Which software cost structure would be more helpful to you?
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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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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.