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Chapter 7 Qualification
and Cost Calculator

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Estimate cost in 2-5 minutes

What to expect?

  1. Ascend Finance (5.0 rating based on 300+ Google reviews) provides you a free bankruptcy calculator to estimate bankruptcy qualification and cost
  2. You will receive a free Chapter 7 qualification estimate
  3. 100% free, based on official US Bankruptcy forms
  4. Available in all 50 states
  5. Calculator usually takes 2 - 5 minutes.

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Household:

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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Place of Residence:

Each state has different allowances that change regularly of how much income you may make to qualify for Chapter 7 bankruptcy.

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Have you lived in this zip code for at least the past 90 days?
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Income:

Please be as accurate as possible as income is extremely important to estimate qualification.

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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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Has your income changed significantly in the past six months?
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Accurate Income is Important

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Is your household annual income approximately $0
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Important Contextual Questions:

These questions help you understand whether you may qualify even if you make more than the allowable for your state and what questions to consider before filing.

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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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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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Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
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Do you own significant equity in your home? To estimate, you subtract your home's value by what you owe on the home.
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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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In some situations, you may qualify for Chapter 7 even if your income exceeds what your state allows. Which of the following expenses do you have? Choose at least one.
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Final Questions:

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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