Person standing at a fork in the road, symbolizing the choice between chapter 7 and chapter 13 bankruptcy options.

Chapter 7 vs. Chapter 13 Bankruptcy Decision Tool

Use our free chapter 7 vs chapter 13 tool to help you get an idea of which chapter might best fit your unique financial situation. This is a free tool for the public and does not require any contact information from you, like email or phone number.

Portrait of attorney Casey Yontz, bankruptcy lawyer
Written by Casey Yontz, JD, Bankruptcy Legal Content Editor
Legally reviewed by Benjamin Wright, Bankruptcy Attorney (18+ years experience)
Last reviewed on
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The chapter 7 vs chapter 13 bankruptcy decision tool below was built by attorney Casey Yontz, based on over 18 years of experience guiding people through chapter 7 and chapter 13 bankruptcy.

How to Use the Chapter 7 vs Chapter 13 Bankruptcy Decision Tool

The chapter 7 vs chapter 13 decision tool walks you through questions about your income, assets and goals. At the end it produces a suggestion based on these three criteria. Do not treat the suggestions as legal advice. This is simply a way for you to better understand your options.

We've made it so that you can produce a PDF of your results through the tool. You can save and print them for your records, or you could even bring them with you to a consultation with a bankruptcy attorney.

Chapter 7 vs Chapter 13 Decision Tool

Answer the questions below to see whether chapter 7 or chapter 13 appears to be the better fit based on your income, goals, and asset-protection needs.

Step 1 of 2

Window 1 of 2: Income Snapshot

ZIP lookup is optional and used as a quick state check.

For more information about the differences between chapter 7 and chapter 13, please review our detailed guide on chapter 7 vs chapter 13.

US Bankruptcy Help is an educational publisher, not a law firm. This page provides general information, not legal advice.

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