Welcome to the Debt Relief Calculator

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Start
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About
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Finances
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Results

Expectations:

What do you get?

  1. Programmatically compares different debt relief options (debt settlement, bankruptcy, and debt management)
  2. Customized data outputs that is ready to be sent to a provider (if you choose)
  3. Pros and cons to each of the debt relief options
  4. Free analysis of your data

What does it take?

  1. Usually takes 5 - 10 minutes
  2. Email is required for analysis
  3. Understanding of your debt, income, and expenses
  4. A pay stub is handy, but not required

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

5.0/5.0 - 32 Reviews
Abe
09/07/2021
Justin was knowledgeable, professional and courteous! He was able to answer my questions quickly and easily! He also followed up with me to make sure I got the help I needed and even went the extra mile when the agency he set an appointment up with did not contact me for our appoint!
Jason Seidl
08/19/2021
Thanks for helping me make my decision on the best way to handle my debt. No customer service was Top Notch and I really like the responsiveness. Even though I decided to go with a local Law Firm we're still willing to help and if I need that sentiment in the future I will look you up.
Nicole Graham
08/18/2021
Really appreciated them taking the time to discuss my situation.
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Approximately how much student loan debt do you have?
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Approximately how much other unsecured debt do you have? Please include such debts as medical, credit card and personal loan debt.
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For comparison purposes only, we need to know what your filing status would be if bankruptcy was an option. What is your marital and filing status?
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Will you want to apply for a mortgage, auto loan, or co-sign for a student loan in the next 18-24 months?
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What is causing you to consider debt relief?
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What aspect of COVID-19 is making you consider debt relief?
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Would you be willing to share a few sentences about the scam to help recipients of our "scam awareness" newsletter
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Could you provide details about the scam?
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Would you like to be added to our "scam awareness" newsletter?
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Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
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How many people are in your household (including yourself)?
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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 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 Extremely Important

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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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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Monthly automobile payment:
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What is the Year, Make, and Model of this vehicle?
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A car interest rate may be reduced in some bankruptcy filings. 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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Monthly 2nd automobile payment:
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What is the Year, Make, and Model of this vehicle?
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A car interest rate may be reduced in some bankruptcy filings. 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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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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Alimony and child support in arrears
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Your Results:

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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Our data analyst would like to use a credit report, in addition to the data provided, to understand the full context of your situation. We would get necessary information by calling you from (833) 272-3631. The review, including the credit report, is complimentary. Would you like to learn more?
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Note: We use a proprietary reputation ranking algorithm to rank providers in or near your county. A reputable provider will contact you shortly to review the information provided. Please do not pay for the first consult as it should be 100% free and informational to help you determine your best debt relief option.

The calculator results are often complicated, and you may want to revise them. What is most helpful for you?
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First Name
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Last Name
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Email address where you would like to see the results
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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 than 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.