Free interactive tools to help you understand your options, estimate costs, and decide on the right path forward — before you ever speak to an attorney.
Answer 8 questions to find out which debt relief path fits your situation — Chapter 7, Chapter 13, debt settlement, or something else. Get a personalized action plan instantly.
Is your paycheck being garnished? Answer 8 questions to understand how urgent your situation is and get a personalized action plan — including how bankruptcy can stop garnishment immediately.
Find out if you likely qualify for Chapter 7 bankruptcy. Answer 10 questions about your income, debt, and assets to get a personalized eligibility assessment and action plan.
More tools are in development. Check back regularly or find an attorney to get personalized guidance now.
Find out if your income qualifies you for Chapter 7 bankruptcy. Enter your household income and expenses to see if you pass the means test in your state.
See which of your assets are protected under your state's bankruptcy exemptions — including your home, car, retirement accounts, and household goods.
Compare the true cost of paying off your debt over time versus filing for bankruptcy. See which path saves you more money and gets you debt-free faster.
See a month-by-month projection of how your credit score could recover after bankruptcy, based on your current score and filing type.
Calculate how much of your paycheck can legally be garnished and how bankruptcy's automatic stay would stop it immediately.
Get a rough estimate of what your monthly Chapter 13 repayment plan payment might look like based on your income, expenses, and debt profile.
Get a realistic estimate of what bankruptcy attorney fees look like in your state, based on your filing type and local market data.
These tools are a great starting point, but nothing replaces a free consultation with a licensed bankruptcy attorney who knows your state's laws.
These tools are designed to help you understand your debt relief options before you speak to an attorney. They use the same factors bankruptcy attorneys evaluate during initial consultations — income, debt level, asset profile, and urgency — to give you a realistic picture of your situation.
Start with the Debt Relief Options Quiz if you're not sure which path is right for you — it takes 2 minutes and points you toward the most relevant tools. If you already suspect Chapter 7 may be the right fit, go directly to the Chapter 7 Pre-Screener for a detailed eligibility assessment.
All tools are free to use and do not require creating an account. Results are for informational purposes only and do not constitute legal advice.