Bankruptcy Tools

Income screening, garnishment estimates, and process explainers. Not a substitute for a lawyer reviewing your file.

Informational estimates only. Brock & Stout does not guarantee accuracy. Everyone's situation may vary.

These tools use current official tables and statutes, with the effective date on each page. They do not decide who can file Chapter 7 or Chapter 13.

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

This tool is for informational and educational purposes only. It provides general estimates and screening information. It is not a substitute for advice from a licensed attorney about your own situation, and it does not create an attorney-client relationship. Using the tool, calling the firm, or submitting a form does not mean Brock & Stout represents you.

Brock & Stout, LLC makes no representation or warranty, express or implied, that any information, figure, calculation, or estimate on this page is accurate, complete, current, or reliable. Official sources control if they differ from this site. Laws, tables, court practices, and agency rules change. Everyone's situation may vary based on individual circumstances, including facts this tool does not ask for. Do not rely on a calculator result as the sole basis for any legal, financial, or benefits decision.

We do not guarantee any outcome. Brock & Stout is not responsible for any action taken or not taken based on this information. You should consult an attorney before acting on anything you read or calculate here. This is not legal advice and is not a recommendation to file or not file bankruptcy. Courts and trustees make the decisions that count. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.