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Welcome to the Debt Relief Calculator

Debt can be stressful. Ascend is your friend. See why people love our complimentary tailored phone calls.

5.0/5.0 - 270 Reviews
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Synthia DuBose
 08/21/2023
My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.

I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin's approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.

Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!
dahveed krisna
 07/26/2022
Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend's bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend's calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I'm on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me... THANKS Ben, Jeffrey and Ascend!!
JorJor Binks
 02/09/2024
These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.

PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)
Chezera Davids
 10/18/2022
I was in tears and all by myself. I have always paid my bills, and I was always on time with my payments. Due to a custody battle, I was on my own. I had no way to feed my kids do to a garnishment. Justin reassured me that everything was going to be OK, and that I had options that I was not aware of. I am so grateful for him. He went above and beyond he delivered the most amazing service, I’ve ever had. I will forever be grateful.
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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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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Which of the following describe your unsecured debt? Check all that apply
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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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We understand there can be a lot going on. What's one pain point you're facing currently?
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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 make a decision to pursue debt relief?
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Have you received a quote from any of the following services?
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Debt Relief Firm Name
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Debt relief companies are notorious to state the pros but downplay the cons. Which of the following cons did they NOT cover in detail?
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When did you start the program?
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What is the quoted monthly payment amount?
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How many months are quoted for the program?
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Would you like us to find a reputable provider that charges lower fees and matches your preferences?
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Bankruptcy Firm Name:
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Did you receive a quote?
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What was the quote?
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Would you like another free bankruptcy consultation to compare attorney fees and options?
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Debt management can be beneficial, but too expensive for many people. Are you able to keep up with the payments?
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Would you like us to compare other options for you that may fit your budget better?
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First Name
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Phone Number
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What is your zip code?
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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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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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Other monthly income
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Which of the following best represents your approximate annual other income?
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How consistent is the amount of your income?
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Accurate Income is Important

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Is your household annual income approximately $0
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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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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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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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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?
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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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You're One Click Away From Financial Freedom!

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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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.