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Household Size

Part of being able to qualify for Chapter 7 Bankruptcy is determining if you’ll pass the bankruptcy means test. The means test looks at household size, location, and your income. Let’s start with your household size.

What is your marital and filing status?
Required
How many people do you take care of in your household (including yourself)?
Required
You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
Required
How many people in your household are 65 or older?
Required
Are you 65 or older?
Required
How many of your dependants (excluding a spouse) are over 18 years old?
Required

Income:

We will next look at all of the different income sources you may have. Approximates are okay.

How often do you receive a paycheck?
Required
How much do you receive in your paycheck BEFORE taxes?
Required
How would you pay for the bankruptcy?
Required
How often does your SPOUSE receive a paycheck?
Required
How much does your SPOUSE receive in their paycheck BEFORE taxes?
Required

Child Support or Alimony:

Your average monthly income from alimony and maintenance payments.
Required
Your average monthly income from any sources which are regularly paid for household expenses of you or your dependants, such as child support
Required

Income from Business or Property:

Net monthly income from operating a business, profession, or farm
Required
Net monthly income from rental and other real property
Required

Interest, Dividends, and Royalties:

Monthly interest, dividends, and royalties
Required

Less Common Incomes:

Monthly unemployment compensation
Required
Monthly pension or retirement income
Required
Monthly income from all other sources not listed above
Required

Annual Income:

Accurate Income is Important

Required
Required
Is your household annual income approximately $0
Required

Location:

Where you live may determine whether or not your income exceeds your state’s income limit, which may impact eligibility for Chapter 7 bankruptcy.

What is your zip code?
Required

Approximate Debt Balances:

Let's breakdown your debt balances and your debt types to see what may be forgiven in bankruptcy.

Approximately how much student loan debt do you have?
Required
Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
Required
Which of the following best represents your approximate unsecured debt?
Required
Are you sure that you only have $0 in unsecured debt?
Required
Is the majority of your unsecured debt high-interest credit cards?
Required
Do you need to use your savings to keep up with your payments?
Ex: At the end of the month, I consistently have less money in my savings account than I did at the beginning of the month.
Required
How much do you have to pull from savings each month?
Required
Are your debts primarily consumer debts?
Required

Disability and Veteran Status:

Are you a disabled veteran?
Required
Are you or have you been a Reservist or member of the National Guard?
Required

Living Expenses:

What is your current living situation?
Required
Approximately how much equity (the difference of owed amount less value) do you have in your home?
Required
Monthly 1st mortgage payment
Required
Monthly 2nd mortgage payment:
Required
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?
Required
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?
Required

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

Did you purchase this vehicle before October 24, 2023?
Required
Monthly automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
Required
If applicable, how many months are your behind on your automobile as of this month?
Required
Do you want to keep this asset?
Required

Automobile 2

Did you purchase this vehicle before October 24, 2023?
Required
Monthly 2nd automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately what is the interest rate of this vehicle?
Required
Is this vehicle titled in your name?
Required
If applicable, how many months are your behind on your 2nd automobile as of this month?
Required
Do you want to keep this asset?
Required

Other Necessary Expenses

Tax, Medicare, Social Security deductions
Required
Are you going to receive any tax refunds?
Required
How much are you expecting to receive in your next tax refund?
Required
Union dues
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. Do not include payments on past due obligations for spousal or child support.
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.
Required
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.
Required
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, 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)
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:
Required
Additional home energy costs:
Required
Educational expenses for dependent children who are younger than 18:
Required
Additional food and clothing expense:
Required
Continuing charitable contributions:
Required

Debt Obligations: Owed in Arrears

(Money that is overdue, past due, or unpaid after its scheduled payment date)

Did you receive a refund in your most recent tax filing?
Required
Do you know approximately how much tax debt you owe?
Required
Approximate tax debt you owe
Required
Do you owe any domestic support obligations such as child support or alimony in arrears?
Required
Alimony in arrears
Required
Child support in arrears
Required

Filing Context:

These final questions are designed to look at the context behind your bankruptcy filing, see whether you've filed before, as that could affect qualification, and get your attorney's preferences.

What is causing you to consider debt relief?
Required
Which best describes the debt?
Required
What best describes why you are considering debt relief?
Required
What is the status of the divorce?
Required
Do you have a pending foreclosure sale?
Required
What is the unexpected expense?
Required
What is the status of the wage garnishment?
Required
Which of the following programs are you currently enrolled in?
Required
Have you filed bankruptcy in the past 6-8 years?
Required
Have you filed a Chapter 7 bankruptcy in the past 8 years?
Required
Have you filed a Chapter 13 bankruptcy in the past 6 years?
Required
When would you want to file bankruptcy?
Required
What is your most pressing question?
Required
Other: Describe your most pressing question.
Required
Do any of these situations apply to you? (Check all that apply)
Required
As you are planning to file soon, we will include an all-in cost estimate for Chapter 7 in your county in your results.
Required

The following questions might help estimate the all-in cost of bankruptcy

Where are you at in the process?
Required
Would you like us to try to find a reputable bankruptcy attorney that charges lower fees and matches your preferences?
Required
What was the price you were quoted?
Required
Does that quote include the $338 filing fee?
Required
What method of payment are you most interested in?
Required
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?
Required
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.
Required
Do you have a preference of the attorney's rating and reviews?
Required
Which of the following attributes are the most important regarding the attorney you work with? Select all that apply
Required
What is most important to you?
Required

Almost There!

Would you like to compare the cost of Chapter 7 bankruptcy to other debt-relief options?
Required
Which options would you like to compare to Chapter 7? Check all that apply
Required
Which of the following do you prefer?
Required
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?
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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