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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
-
302 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?
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?
1x
1000x
Required
Are you sure that you only have
$0
in unsecured debt?
Yes
No
Not Sure
Required
Why are you considering debt relief such as bankruptcy to eliminate
$0
?
Required
Would you estimate that your total unsecured debt (credit cards, loans, medical debt, other debt etc.) is over $10,000?
Yes
No
Required
Which of the following describe your unsecured debt? Check all that apply
Credit Cards with interest rates above 20%
Credit Cards with interest rates at or below 20%
Personal Loans
Medical Debt
Other Debt
Required
What is your marital and filing status?
Single
Married and your spouse is filing with you
Married and your spouse is NOT filing with you. Living in the same household and are not legally separated
Married and your spouse is NOT filing with you. Living separately or are legally separated
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.
1
2
Required
How many people in your household are 65 or older?
Required
Are
you
65 or older?
Yes
No
Required
How many of your dependants (excluding a spouse) are over 18 years old?
Required
We understand there can be a lot going on. What's one pain point you're facing currently?
Reduced Income
Inflation
Job Loss
Divorce
Medical Expenses
Unexpected Expenses
Credit Card(s) Interest Rate Increases
Foreclosure
Wage Garnishment
Other
Required
Which best describes the debt?
Debt is current, and will not fall behind
Debt is current, but may go past due soon
Debt is past due, and I am getting constant collection calls
Creditor has threatened to sue me
Credit sued me recently in a debt collection lawsuit
I have a recent judgment against me
Required
What best describes why you are considering debt relief?
Required
What is the status of the divorce?
The divorce has not been filed
The divorce has been filed
The divorce has been finalized
Required
Do you have a pending foreclosure sale?
Yes
No
Required
What is the unexpected expense?
Required
What is the status of the wage garnishment?
I am being actively garnished
I have been notified that garnishment will start, but it has not yet started
I have received a writ of garnishment
I have a judgment against me, but not garnishment has started
Required
Have you filed bankruptcy in the past 6-8 years?
Yes
No
Required
Have you filed a Chapter 7 bankruptcy in the past 8 years?
Yes
No
Required
Have you filed a Chapter 13 bankruptcy in the past 6 years?
Yes
No
Required
When would you want to make a decision to pursue debt relief?
Within 1 month
Within 6 months
I am already enrolled in debt relief (i.e. debt negotiation, debt settlement, debt consolidation program)
I am already enrolled in debt management (i.e. credit counseling)
Unsure. I'm just researching my options
Required
Have you received a quote from any of the following services?
Debt relief
Debt management
Chapter 7 bankruptcy
Chapter 13 bankruptcy
Not yet
Required
Debt Relief Firm Name
Required
Debt relief companies are notorious to state the pros but downplay the cons. Which of the following cons did they NOT cover in detail?
How much fees you actually pay. Many state fees are included in the plan. We can help you calculate them
You can be sued by debt collectors. We can estimate which of your creditors are more likely to sue.
You will get debt collection calls. We can help you know how to stop these.
You may have to pay taxes on forgiven debt. Take our
tax solvency calculator
to estimate.
Your credit score can be heavily negatively impacted. We can estimate which creditors will
pay for delete
.
Required
When did you start the program?
Required
What is the quoted monthly payment amount?
Required
How many months are quoted for the program?
Required
Would you like us to find a reputable provider that charges lower fees and matches your preferences?
Yes
No
Unsure
Required
Bankruptcy Firm Name:
Required
Did you receive a quote?
Yes
No
Required
What was the quote?
Required
Would you like another free bankruptcy consultation to compare attorney fees and options?
Yes
No
Not yet
Required
Debt management can be beneficial, but too expensive for many people. Are you able to keep up with the payments?
Yes
No
Unsure
Required
Would you like us to compare other options for you that may fit your budget better?
Yes
No
Not yet
Required
First Name
Required
Phone Number
Required
What is your zip code?
Required
Income:
How often do you receive a paycheck?
Weekly
Paid every 2 Fridays (Bi-Weekly)
Paid 15th and 31st (Semi-Monthly)
Monthly
Annually
Not Applicable (Not being paid)
Required
How much do you receive in your
paycheck BEFORE taxes?
Required
How would you pay for the bankruptcy?
Savings
Family
Friend
Partner
Tax Refund
SSN Income
VA Disability Income
Other
Required
How often does your SPOUSE receive a paycheck?
Weekly
Paid every 2 Fridays (Bi-Weekly)
Paid 15th and 31st (Semi-Monthly)
Monthly
Annually
Not Applicable (Not being paid)
Required
How much does your SPOUSE receive in their
paycheck BEFORE taxes?
Required
Estimated
monthly
overtime income
Required
Which of the following best represents your approximate
annual
overtime income?
Monthly
Yearly
Required
Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
Yes
No
Required
Other
monthly
income
Required
Which of the following best represents your approximate
annual
other income?
Monthly
Yearly
Required
How consistent is the amount of your income?
Very Consistent
Consistent
Inconsistent
Very Inconsistent
Required
Accurate Income is Important
Required
Required
Is your household
annual
income approximately
$0
Yes
No
Required
Living Expenses:
What is your current living situation?
Own
Rent
Other
Required
Approximately how much equity (the difference of owed amount less value) do you have in your home?
Required
Have you looked into any of the following options to tap into home equity (Select all that apply)?
HELOC (Home equity line of credit)
Second Mortgage
Cash Out Refinance
Home Investment
None Of The Above
Not Interested In Tapping Into Equity
Required
Have you applied or are you in the process for any of the options selected above?
Yes
No
Required
Would you like to learn more about any of the potential options available?
Yes
No
Unsure
Required
Approximately what is your home's value?
Required
Do you currently have any liens on the property?
Yes
No
Required
Monthly 1st mortgage payment
Required
Monthly 2nd mortgage payment:
Required
Monthly rental expenses for your residence (includes rent payment)
Required
If applicable, how many months are your behind on your mortgage as of this month?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
If applicable, how many months are your behind on your 2nd mortgage as of this month?
Required
Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
Yes
No
Required
How much equity do you own in these high value assets?
Required
Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
Yes
No
Required
What is the value of your retirement account?
Required
What is the value of your non-retirement account?
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
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?
Yes
No
Required
If applicable, how many months are your behind on your automobile as of this month?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
Automobile 2
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?
Yes
No
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?
Yes, I will keep
No, I will forfeit
Unsure
Required
Other Expenses:
Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
Yes
No
Unsure
Required
What is the
balance
of these loans?
Required
Do you want to keep this asset?
Yes, I will keep
No, I will forfeit
Unsure
Required
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.?
Required
Which of the following best represents how much you pay
annually
to this secured debt?
Monthly
Yearly
Required
Did you receive a refund in your most recent tax filing?
Yes
No
Required
Tax debt in arrears
Required
What are the tax years for the owed debts?
Required
Did you file a return for all those years?
Yes
No
Required
Approximately when were the returns filed?
Required
Do you owe any domestic support obligations such as child support or alimony in arrears?
Yes
No
Required
Alimony in arrears
Required
Child support in arrears
Required
You're One Click Away From Financial Freedom!
Which of the following do you prefer?
A data analyst reviews your data and send insights to you.
A bankruptcy attorney receives your data provided and contacts you to answer your questions in a free evaluation
This data is provided to you and to a bankruptcy attorney who contacts you to answer your questions in a free evaluation
All of the above
None of the above
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?
Yes
No
Required
First Name
Required
Last Name
Required
Email address
Required
Phone Number
Required
Thanks for requesting the complimentary call! Click "See Results" and expect a call from us shortly.
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Thanks for requesting a free evaluation with a debt relief company! Expect a call from them shortly.
Don't worry, if you change your mind, you can always call us at 833-272-3631. We're here to help.
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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.