Bankruptcy
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Is Child Support Considered Income in Bankruptcy Means Test?
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Most sources of income must be included in the bankruptcy means test, including child support payments. The Bankruptcy Means Test applies in Chapter 7 and Chapter 13 bankruptcy cases. However, the means test has different purposes in each chapter. The…
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How To File For Bankruptcy Without A Lawyer (For 2024 and 2025 filers)
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. The…
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How to Boost Credit Scores While in Chapter 13 Bankruptcy
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. Filing…
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How Much Does A Lawyer Charge for Chapter 13? See the Breakdown For Your State
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One of the common questions our staff receives is how much Chapter 13 bankruptcy attorneys charge for filing Chapter 13. The cost to file bankruptcy can seem overwhelming. However, filing bankruptcy can be much less costly than settling debts or…
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Can You File Bankruptcy While Unemployed With No Job? Understand the process
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. Yes, you…
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Can I Pay Off My Chapter 13 Early? 2 Things You Need to Know
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. In…
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Bankruptcy Fraud Cases Uncovered by the Internal Revenue Service
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. Bankruptcy…
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Are you Committing Bankruptcy Fraud? 5 Things To Know With Examples
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. The…
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Are Disability Benefits and Social Security Income Exempt From Bankruptcy Means Test?
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. The Chapter…
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Understanding How an Authorized User or Joint Holder Affects a Bankruptcy
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When filing bankruptcy, a common concern is how bankruptcy affects joint holders and authorized users of credit accounts. Many people have joint accounts with their spouses. Because most couples file joint bankruptcy cases, the concern about a joint holder or…
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Understand How Taxes Are Handled in Chapter 13 Bankruptcy
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. Bankruptcy…
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Does A Bankruptcy Get Published in the Newspaper?
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One of the most common questions about bankruptcy is, “Do bankruptcies get filed in the newspaper?” or “Who will find out that I filed for bankruptcy relief?” Individuals may be worried that their names will be printed in the newspaper…
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Chapter 7 Bankruptcy Income Taxes: 4 Things to Know
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A common question many people have about filing Chapter 7 bankruptcy regards taxes. Will Chapter 7 erase my tax debt? Is Chapter 7 discharged debt taxable as income on tax returns? Will the Chapter 7 Trustee tax my tax refunds?…
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Chapter 11 Subchapter 5 vs Chapter 13 Bankruptcy
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Chapter 13 and Chapter 11 Bankruptcy cases allow debtors to reorganize their debts. By reorganizing debts through a bankruptcy case, debtors and creditors receive certain protections. The process after a financial crisis is to help debtors get back on their…
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Chapter 11 Reorganization Plan Example: 5 Things to Know
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Businesses and individuals whose debts exceed the Chapter 13 debt limits file for reorganization under Chapter 11. Individuals with very high income and substantial or complex assets may find Chapter 11 offers more flexibility and benefits than a Chapter 13…
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What Is Considered Income For the Bankruptcy Means Test?
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. Trying to…
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How is Household Size Determined for the Bankruptcy Means Test?
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Your household size could determine whether you qualify for Chapter 7 bankruptcy. For some people, it is easy to determine household size. However, what is your household size when you live with extended family members, roommates, or other people? In…
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Can I File For Bankruptcy Without My Spouse – 8 Things to Know
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. A bankruptcy…
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Does the Bankruptcy Means Test Use Gross or Net Income?
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This article is for informational purposes only. Ascend does not provide legal advice, and are not attorneys. If you’d like to speak with a bankruptcy attorney that serves your city, you can speak with one in a free consultation. The bankruptcy…
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How To File Chapter 7 With No Money: Using Your Tax Refund
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You have no money and may face a garnishment and realize that you may need to file Chapter 7 bankruptcy. Just as a reference, Chapter 7 bankruptcy is often the cheapest and fastest bankruptcy option to help people get relief…
Reviews
★★★★★
5.0 stars from 280+ reviews
Synthia DuBose
08/21/2023
My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.
I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin’s approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.
Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!
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!!
JorJor Binks
02/09/2024
These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.
PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)
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