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Bankruptcy Path Quiz

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Step 1 of 4 - Your Goal

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What’s your #1 goal right now?*

Wipe out credit card debt

Stop a foreclosure or eviction

Deal with wage garnishment

Get my car back or lower my car payments

Deal with tax debt

Figure out student loans

Just want to talk to a lawyer about my options

Stop getting sued or collection calls

Something else

Credit Cards

About how much total credit card debt do you have?

Are you making only minimum payments right now?*

Yes

Do you have any cards that are already in collections?*

Yes

Have you stopped using credit cards, or are you still relying on them?*

Stopped

Still relying on them

How long have you been struggling with credit card balances?*

Under 6 months

6–12 months

Over 12 months

Do you also have personal loans or payday loans in addition to cards?*

Yes

Have you tried debt settlement or consolidation in the past?*

Yes

Are you worried about lawsuits from credit card companies?*

Yes

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Have any creditors already obtained judgments against you?*

Yes

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If you could erase all your credit card balances tomorrow, how would that change your life?

Foreclosure / Eviction

Are you behind on mortgage or rent payments? (If over 3 payments behind)*

Yes

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If a mortgage, how many months behind are you?*

4 or more

Have you received a foreclosure notice or court summons yet?*

Yes

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Do you want to keep the property long-term, or just move out on your own timeline?*

Keep the property

Move out on my own timeline

Is your mortgage adjustable or fixed?*

Adjustable

Fixed

Do you have other liens on the property (tax lien, second mortgage, HOA)?*

Yes

Do you currently live in the property, or is it an investment/rental?*

Live there

Investment/Rental

Would a repayment plan spread out over 3–5 years help?*

Yes

Are you also behind on utilities or property taxes?*

Yes

Do you want to explore mortgage modification in addition to bankruptcy?*

Yes

Wage Garnishment

Who is garnishing your wages right now (credit card company, IRS, child support, other)?

How much is being taken from each paycheck?

When did the garnishment start?

Do you have more than one garnishment at the same time?*

Yes

Has your employer told you how long the garnishment will continue?

Did you receive a court judgment or notice before the garnishment began?*

Yes

Are you able to keep up with your regular bills after the garnishment?*

Yes

Do you also have bank account levies (money frozen or taken directly from your account)?*

Yes

Have you tried negotiating with the creditor or IRS before the garnishment?*

Yes

If the garnishment could be stopped immediately, what would be your top financial priority (catch up on rent/mortgage, car, credit cards, taxes, something else)?

Car

Has your car already been repossessed, or are you just behind? (If repossessed is urgent)*

Already repossessed

Just behind

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If repossessed, when did that happen?

How much do you owe to pay off your car?

How much is the car worth?

What is your monthly car payment right now?

Are you also behind on insurance or registration?*

Yes

Is keeping this specific car important, or would you consider replacing it?*

Must keep this car

Open to replacing

Do you need the car for work or commuting?*

Yes

Are there multiple vehicles in your household with loans?*

Yes

Would a lower interest rate and stretched-out payments help?*

Yes

How soon do you need to resolve this issue? (Days is urgent)*

Days or less

Weeks

Months

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Tax Debt

Do you owe federal, state, or both kinds of taxes?*

Federal

State

Both

Approximately how much tax debt do you have?

What years are the taxes owed for?

Is the IRS or state currently garnishing wages or levying accounts?*

Yes

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Have you filed all of your tax returns?*

Yes

How many years of taxes are unpaid?

Have you received certified letters or notices of levy?*

Yes

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Are the taxes income tax, payroll tax, or something else?*

Income tax

Payroll tax

Other

Do you also owe penalties and interest?*

Yes

If we could stop garnishments today, how much relief would that bring?

Student Loans

Are your loans federal, private, or both?*

Federal

Private

Both

What is your approximate total balance?

Are you current on payments, or already in default?*

Current

In default

Are your wages being garnished for student loans?*

Yes

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Have you tried income-driven repayment plans?*

Yes

Do you qualify for Public Service Loan Forgiveness (PSLF)?*

Yes

How much is your current monthly payment?

Do you also have other types of debt besides student loans?*

Yes

Have you ever consolidated or refinanced your loans?*

Yes

Is your main concern lowering payments or finding out if bankruptcy can help?*

Lowering payments

Can bankruptcy help?

Talk to a Lawyer

What’s the single biggest financial stress you’re facing right now?

Are you mostly worried about debt, assets, or income stability?*

Debt

Assets

Income stability

Have you ever spoken to a bankruptcy attorney before?*

Yes

Do you think you might qualify for Chapter 7, Chapter 13, or not sure?*

Chapter 7

Chapter 13

Not sure

Are you facing any urgent deadlines (foreclosure sale, lawsuit date, repossession)?*

Yes

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Do you have a steady source of income right now?*

Yes

Are you hoping to protect specific property (home, car, savings)?*

Yes

Are you mainly looking for short-term relief or a long-term solution?*

Short-term relief

Long-term solution

Do you want to protect your credit score, or is that less important right now?*

Protect credit score

Less important

Would you like us to give you a free plan tailored to your situation?*

Yes

Sued / Collection Calls

Have you already been served with a lawsuit?*

Yes

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How many different collection agencies are contacting you?

Have you received wage garnishment or bank levy notices yet?*

Yes

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Do you get daily collection calls?*

Yes

Are most of the debts credit cards, medical bills, or something else?*

Credit cards

Medical bills

Other

Have you tried sending cease-and-desist letters?*

Yes

Do you already have judgments entered against you?*

Yes

Have your wages ever been garnished in the past?*

Yes

Is your main concern stopping harassment, or eliminating the debt entirely?*

Stop harassment

Eliminate the debt

If the calls and lawsuits stopped tomorrow, how would that impact your life?

Something Else

What specific issue are you facing that doesn’t fit the other categories?

How urgent is your situation (days, weeks, or months)? (Days is urgent)*

Days

Weeks

Months

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Are you worried more about debt, income loss, or protecting assets?*

Debt

Income loss

Protecting assets

Do you currently have steady employment?*

Yes

Do you own real estate, or just rent?*

Own

Rent

Do you own a car with a loan or lease?*

Yes

Have you recently experienced job loss, divorce, or medical bills?*

Yes

Are you considering debt settlement or credit counseling instead of bankruptcy?*

Debt settlement

Credit counseling

Not sure

Do you have retirement savings or other assets you want to protect?*

Yes

Would you like us to review your situation in a free consultation?*

Yes

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Bankruptcy Path Quiz

Credit Cards

Foreclosure / Eviction

Wage Garnishment

Car

Tax Debt

Student Loans

Talk to a Lawyer

Sued / Collection Calls

Something Else

URGENT

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