Six free client-side tools. All math runs in your browser — no data collected or sent.
The flagship tool: check whether you can refile bankruptcy under the §1328(f) and §727(a)(8) waiting rules. Self-contained, no login, no email required.
Run screener →Enter your state and property values. See which bankruptcy exemptions protect your home, vehicle, household goods, and retirement accounts. 50-state coverage.
Check exemptions →Compare your household income to the 2024 U.S. Trustee median for your state. Fast first-pass: if you pass, Chapter 7 is presumed appropriate.
Run means test →Enter priority debts, secured arrears, unsecured debt, and disposable income. See your estimated monthly plan payment and unsecured creditor percentage.
Estimate plan →What share of Chapter 13 plans actually finish in your district? Real completion, conversion, and dismissal rates from 1.78M federal cases (2014–2019 cohorts) — the full population, not a survey.
See real outcomes →Interactive 24-month month-by-month plan for rebuilding credit after discharge. Typical filer recovers 150-200 FICO points by month 24.
Build timeline →