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Chapter 7 vs Chapter 13 Calculator

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Income:

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 would you pay for the bankruptcy?
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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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Other monthly income
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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:

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 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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What is most important to you?
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Household Size:

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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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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What is your zip code?
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Approximate Debt Balances:

Approximately how much student loan debt do you have?
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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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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/
Required

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?

First Name
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Last Name
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Suffix (Sr, Jr, I, etc)
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What's Your Address?

What is your current street address?
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What city do you live in?
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Apt/suite number (if applicable)
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What state do you live in?
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What is your zip code?
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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?

What was your previous street address?
Required
What city did you previously live in?
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Previous Apt/suite number (if applicable)
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What state did you previously live in?
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What was your previous zip code?
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When's Your Birthday?

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

Last 4 Digits of SSN
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Phone Number
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Thank you for completing this form! You can click submit.

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 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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If applicable, how many months are your behind on your mortgage as of this month?
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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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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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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

Did you purchase this vehicle before October 24, 2023?
Required
Monthly automobile payment:
Required
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

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?
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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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What is the monthly amount that you pay for other debt that is secured by an asset, such as an RV, jet ski, jewelry, etc.?
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Which of the following best represents how much you pay annually to this secured debt?
Required
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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Approximate tax debt you owe
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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

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.

First Name
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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.