Bankruptcy Tools

Use these tools to compare income, estimate ordinary wage garnishment, review factors that can matter when comparing Chapter 7 and Chapter 13, and understand the typical bankruptcy process.

These tools provide general educational estimates based on the sources and effective dates shown. Individual results can differ based on facts, current law, and updated official data.

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Each tool identifies the official data or legal rules it uses and the date those sources were last verified. The tools can help you understand common bankruptcy issues, but they do not determine eligibility for Chapter 7 or Chapter 13 or replace an individual review of your financial situation.

Chapter 7 Means Test Income Screening — Chapter 7 Means Test Income Screening
Compare household income to the current Census median used on the official Chapter 7 means-test form.
Chapter 7 vs Chapter 13 Comparison — Chapter 7 vs Chapter 13 Comparison
Answer a few questions about your house, car, income, and goals. We will highlight the differences that may matter — not pick a chapter for you.
Alabama Wage Garnishment Calculator — Alabama Wage Garnishment Calculator
Estimate how much of a paycheck may be taken for an ordinary consumer debt under current Alabama and federal rules.
Georgia Wage Garnishment Calculator — Georgia Wage Garnishment Calculator
Estimate ordinary wage garnishment under Georgia’s Title 18 rules, including the 15% cap for some private student-loan judgments.
Debt-to-Income Calculator — Debt-to-Income Calculator
See what share of gross monthly income is going to debt payments. Bankruptcy does not use a single DTI cutoff.
Bankruptcy Process Timeline — Bankruptcy Process Timeline
See what typically happens next — from a first consult through a Chapter 7 discharge or a Chapter 13 plan.

Important disclaimer

These tools provide general educational estimates and screening information based on the sources and effective dates shown. They cannot account for every fact that may affect a bankruptcy case and are not a substitute for advice from a licensed attorney about your situation.

Using a tool, calling Brock & Stout, or submitting a form does not create an attorney-client relationship. Official statutes, court rules, bankruptcy forms, and source data control if they differ from information shown by a tool. Laws, tables, and court procedures can change, so a tool result should not be the sole basis for deciding whether or when to file bankruptcy.

The tools do not guarantee eligibility, discharge, confirmation of a Chapter 13 plan, protection of property, or any other outcome. Brock & Stout is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.