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Statutes and Garnishments:

Let's look at the statute of limitations that creditors in your state must abide by, and the laws around wage garnishment and levies in your state

What is your zip code?
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Approximately how old in years is the debt in question?
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Approximately when was the last payment on this debt?
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Do you know whether the debt is within the statute of limitations?
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How has this creditor contacted you?
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How much is the creditor trying to collect from you?
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Have you requested this creditor to validate the debt in question?
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Do you know who the original creditor is?
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What is the name of the original creditor?
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Are you being sued for any other debt?
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Do you have any other debt that is behind for which a lawsuit could be filed?
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Approximately how many creditors are you behind with?
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Approximately how much debt is owed?
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Are you able to come up with any money that can help resolve this debt?
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Are you comfortable directly negotiating with this creditor or their attorney?
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Every situation is unique. Do you have any specific questions? (optional)
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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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What is your average monthly gross income from other sources, e.g. business, retirement, alimony, child supports, etc.?
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Which of the following best represents your approximate annual other income?
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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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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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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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Final Questions:

If your debt is within the statutes of limitations, the creditor may attempt to sue you. What free resources would be helpful for you to resolve your debt?
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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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