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Welcome to the Chapter 7 Calculator

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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 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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Estimated monthly overtime income
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Which of the following best represents your approximate annual overtime income?
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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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SSN Benefits monthly income
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VA Disability monthly income
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Business monthly income
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Teacher's annual income
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Retirement monthly income
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Alimony monthly income
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Child Support monthly income
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Other monthly 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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Would you like to update your income or move forward with the income provided?
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Please click the back button below to update your income.

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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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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Other: Describe 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 7 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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We partner with Fresh Start Finance bankruptcy filing software that dramatically simplifies filing out bankruptcy forms (think TurboTax for Bankruptcy). It also provides a checklist of the steps, and you can get started for free. If you like the product, the entire software costs just $49. Would you be interested to learn more?
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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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What was the price you were quoted?
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Does that quote include the $338 filing fee?
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Which of the following are you most interested in?
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The bankruptcy process is often held telephonically due to COVID. 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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What is most important to you?
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Approximately how much student loan debt do you have?
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Would you like to see whether we may be able to help get your student loans discharged or reduced?
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What type of student loans do you have? Check all that apply
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What is the current status of your student loans? Check all that apply
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Do you know your approximate credit score?
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What is your estimated credit score as of right now?
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Do you know the approximate student loan interest rate?
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What is your approximate student loan interest rate?
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Would you like us to review whether your student loans may get discharged or interest rate reduced and contact you with our questions?
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Cell Phone Number
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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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Why are you considering debt relief such as bankruptcy to eliminate $0?
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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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Living Expenses:

What is your current living situation?
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Approximately how much equity (the difference of owed amount less value) do you have in your home?
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Have you looked into any of the following options to tap into home equity (Select all that apply)?
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Have you applied or are you in the process for any of the options selected above?
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Would you like to learn more about any of the potential options available?
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Approximately what is your home's value?
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Do you currently have any liens on the property?
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Have you lived in your state for more than 2 years?
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Monthly 1st mortgage payment
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Monthly 2nd mortgage payment:
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Monthly rental expenses for your residence (includes rent payment)
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If applicable, how many months are your behind on your mortgage as of this month?
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You stated that you are months in arrears. Can you confirm the months (not balance) you are in arrears?
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Do you want to keep this asset?
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If applicable, how many months are your behind on your 2nd mortgage as of this month?
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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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How much equity do you own in these high value assets?
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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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What is the value of your retirement account?
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What is the value of your non-retirement account?
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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.
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Automobile 1

Monthly automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your automobile as of this month?
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Do you want to keep this asset?
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Automobile 2

Monthly 2nd automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your 2nd automobile as of this month?
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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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What is the balance of these loans?
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Do you want to keep this asset?
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Did you receive a refund in your most recent tax filing?
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Tax debt in arrears
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What are the tax years for the owed debts?
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Did you file a return for all those years?
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Approximately when were the returns filed?
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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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Losing Belongings in Chapter 7 Bankruptcy

Would you like us to provide an estimate of whether or not your assets are protected if you file Chapter 7?
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Almost There!

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Would you like us to estimate what your credit score would be if you decide to file bankruptcy?
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Which of the following options would you like to compare estimates, and pros and cons of? 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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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.