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Chapter 7 vs Chapter 13 Calculator

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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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Which of the following best represents your approximate annual other income?
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Annual Income:

Accurate Income is Important

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Is your household annual income approximately $0
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Describe Your Situation:

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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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When would you want to file bankruptcy?
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What is 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 vs Chapter 13 including attorney fees 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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What method of payment are you most interested in?
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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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Do you have any of the following that would make your bankruptcy more complicated? Select one.
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Do you have any preference about the amount of time you spend with an attorney? More time with the attorney is more personalized, but may be a higher cost.
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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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Household Size:

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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Based on your income provided, would you like us to estimate whether you may NOT have to pay the $338 Chapter 7 filing fee? We can also pass this information to the attorney for the free phone evaluation.
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Location:

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Approximate Debt Balances:

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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 of the following is the biggest reason you are considering bankruptcy?
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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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You are considering bankruptcy on $0 in debt, which is under $7,000, and we would like to do a soft credit pull (which does not affect your credit) to confirm your debt amount. Would that be okay?
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Do you have an active freeze or lock on your credit with Equifax?
To use this feature, you will need to remove the freeze temporarily. More information: https://www.equifax.com/personal/credit-report-services/credit-freeze/
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To use this feature, you would need to remove the active freeze or lock with Equifax and then click "No" above.

What's Your Legal Name?

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What's Your Address?

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Have you moved in the past year and/or have a previous address?
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United States (US)
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United States (US)
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What's Your Previous Address?

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When's Your Birthday?

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What Are The Last 4 Digits of Your Social Security Number?

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Living Expenses:

What is your current living situation?
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Have you lived in your state for more than 2 years?
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Do you want to keep this asset?
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High Equity Assets, Accounts, & Property:

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 May 10, 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 May 10, 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!

Would you like to compare the cost of Chapter 7 and Chapter 13 bankruptcies to other debt-relief options?
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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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