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Ascend
Tryascend.com
Ascend

Welcome to the Debt Relief Calculator

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Ascend Helps Prevent You From Choosing the Wrong Debt Relief. See What Others Say About Our 100% Free Service.

5.0/5.0 - 208 Reviews
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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!!
Phillip Hobbs
 10/29/2021
I was very confused about what the difference was between chapter 7 and 13. Thanks to Justin and Ascend I ended up saving a great deal of money. Justin, an employee of Ascend called me and we took off. Knew his job. Was very professional. I work lin hours and it seems to also problems but he didn't give up. Justin and Ascend was a huge stress reliever and did a awesome job. Thank you Justin, Thank you Ascend.
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.
A G
 09/12/2022
Justin, is a Prince among men. Compassionate, Intelligent, Attentive, and Caring about what someone is going through. Thank You, Justin!
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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Are you sure that you only have $0 in unsecured debt?
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Which of the following describe your unsecured debt? Check all that apply
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What is your marital status?
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How many people are 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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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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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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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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Have you been discharged from any bankruptcy in the past 6-8 years?
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Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
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Have you been discharged from a Chapter 13 bankruptcy in the past 6 years?
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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. 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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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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Almost There!

Would you like to compare the cost of debt settlement 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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Do you want to save this information and get a copy of your results to your email address?
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Note: Ascend and/or a reputable provider who is licensed in your area will contact you shortly to review the information provided in a free phone evaluation. Please do not pay for the first consultation as it should be 100% free and informational to help you determine your best debt relief option. 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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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.