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Free tool · self-assessment

Chapter 7 vs Chapter 13 — Which Fits?

A private, structural screen of which bankruptcy chapter your situation points toward. It’s free, runs in your browser, and stores nothing you enter.

Are you behind on a house or car you want to keep?
Is your household income above your state's median?
What are most of your debts?
Your result
Answer the questions above
Your result appears here as you answer — computed in your browser and stored nowhere.
Want a licensed attorney to follow up? (optional)

Your result stays in your browser — only your contact details are sent, so a lawyer can reach you.

A structural routing screen based only on your answers — not a legal opinion, a prediction, or a determination of which chapter you qualify for. The full Chapter 7 means test and your goals decide the real choice. Not legal advice. This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool; consult a licensed attorney before taking or refraining from any action.

Frequently asked questions

What does the Chapter 7 vs Chapter 13 — Which Fits? do?

A private, structural screen of which bankruptcy chapter your situation points toward. It runs entirely in your browser using fixed logic, and stores nothing you enter.

Is this legal advice?

No. It is an informational, structural self-assessment based only on the answers you enter. It does not create an attorney–client relationship or predict any outcome. Confirm specifics with a licensed attorney.

Does it send my answers anywhere?

No. The assessment computes in your browser. If you choose to ask for a follow-up, only your contact details are sent — never your result.

Can I get a tool like this for my firm?

Yes. LexSteward gives a law firm a branded, hosted page with tools like this, and routes any follow-up request to your firm. You keep your existing website.

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On a branded, LexSteward-hosted page with built-in intake — you keep your existing site.

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A structural routing screen based only on your answers — not a legal opinion, a prediction, or a determination of which chapter you qualify for. The full Chapter 7 means test and your goals decide the real choice. Not legal advice. This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool; consult a licensed attorney before taking or refraining from any action.