1-877-850-3328
Find Out If You May Qualify for
Chapter 7 Bankruptcy
in About 5 Minutes
The most thorough free means test available. Compares your income against 2025 state medians, calculates dischargeable debt, and shows every option side by side. For educational purposes.
A Full Debt Analysis, Not Just Pass or Fail
Unlike basic calculators, ours shows you the complete picture so you can make an informed decision with the help of a qualified professional.
Means Test Result
See how your income compares to your state's 2025 median. Understand exactly where you stand as a percentage - for educational reference.
Dischargeable Debt Estimate
Get an estimate of how much of your debt may be eliminated vs. what typically survives bankruptcy, based on your debt types.
Ch. 7 vs. Ch. 13 vs. Settlement
A side-by-side comparison of options with estimated monthly payments and timelines to help you start the right conversation with a professional.
Personalized Guidance
Based on your responses, get a suggested direction - not legal advice, but a starting point for your consultation with a qualified attorney.
Here's What Your Report Looks Like
Real output from our calculator - with your actual numbers. Results are estimates for educational purposes only.
✓ Chapter 7 Eligibility Estimate
California - 1-person household sample
Your Options - Side by Side
Estimates based on $30,000 debt in California
| Option | Timeline | Est. Cost | Debt Relief |
|---|---|---|---|
| Chapter 7 | 3-4 mo | ~$1,938 | Up to 100% |
| Debt Settlement | 4-5 yrs | ~$9,000 | ~70% |
| Chapter 13 | 3-5 yrs | ~$45,480 | Restructured |
| Minimums Only | ~15 yrs | $67,500+ | None |
- ✓ Results generated instantly - no waiting
- ✓ Covers all 50 states with November 2025 median income data
- ✓ Mirrors official IRS expense standards and Form 122A structure
- ✓ Free sign-up required to view your full report
3 Steps to Understand Your Options
Enter Your Info
State, household size, income, debt type, and key expenses. Takes about 5 minutes. Free sign-up required to view your results.
Get Instant Analysis
Our calculator checks your income against official 2025 state medians and applies Form 122A logic to generate your personalized estimate.
Review Your Report
See your pass or fail estimate, dischargeable debt breakdown, all options compared, and a suggested next step to discuss with a professional.
People Just Like You Found Relief
These reviews are from verified CuraDebt debt settlement and debt relief clients.
CuraDebt saved us without a doubt! We just finished the program and are much better off than where we started a few years ago. Thanks for saving us and allowing us to breathe again.
My hours at work were recently cut and I was barely able to make minimum payments before. I was incredibly relieved to find a plan that will pay off my debt in a reasonable time instead of making minimum payments for 20 years.
I will recommend this group to everyone! They really take good care of you. Any time I had a question, my emails were answered very quickly. My representative is fantastic!
I could have never gotten to this point without my counselor. I am now enrolled in the program and would definitely recommend CuraDebt to anyone facing a debt situation.
My counselor helped me through a very challenging and nerve-wracking decision. The empathy and professionalism made all the difference when I needed it most.
My counselor eased my anxiety and put the best team together to help me in every way possible. This was a traumatic experience, but the team has helped me get in the right direction.
Testimonials reflect individual client experiences with CuraDebt's debt settlement services. Results vary. These are not testimonials about the means test calculator specifically, which is a free educational tool.
Built on 25 Years of Debt Relief Experience
Eric Pemper
Eric has spent 25 years helping Americans navigate debt. He built this calculator to give people the same quality analysis his team uses internally - free, no strings attached.
Better Business Bureau Rating
CuraDebt has maintained an A+ BBB rating for over two decades, reflecting our commitment to transparent, ethical debt relief for consumers nationwide.
Frequently Asked Questions
Ready to Understand Your Options?
Takes about 5 minutes. Free, instant, and anonymous. Get a complete educational analysis of all your debt relief options.
Calculator and Educational Tool Disclaimer: This means test calculator is provided for informational and educational purposes only. It does not constitute legal advice, tax advice, financial advice, or investment advice of any kind. Results are estimates based on data you provide and official U.S. Trustee Program median income figures effective November 1, 2025. Calculations mirror the structure of Form 122A but are not a substitute for analysis by a licensed bankruptcy attorney. Final determination of bankruptcy eligibility can only be made by a licensed bankruptcy attorney or bankruptcy court trustee reviewing your complete financial situation. Use of this tool does not create an attorney-client relationship with CuraDebt or any affiliated party.
Bar Rules Compliance Notice: CuraDebt Systems, LLC is not a law firm, does not employ attorneys in connection with this calculator or its debt settlement services, and this tool does not create an attorney-client relationship. No information on this page should be construed as legal advice or legal representation. This calculator is provided for general educational reference only. Any referrals to attorneys made by CuraDebt are provided independently and do not constitute legal services performed by CuraDebt.
FTC Compliance Notice: This website and the services described herein are designed to comply with the Federal Trade Commission's Telemarketing Sales Rule, including the Advance Fee Ban on debt relief services. CuraDebt does not charge advance fees for debt settlement services. Fees are charged only upon successful settlement of enrolled debts. Individual results described in testimonials reflect those specific clients' experiences and are not guaranteed. Individual results will vary significantly based on creditors, debt amounts, payment history, and individual circumstances.
Debt Settlement Services Disclosure: Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors enrolled and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy of the agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries may be directed to [email protected].
Credit Impact Disclosure: Establishment of a debt settlement plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest accrued. Familiarize yourself with all program terms before enrolling.
State Licensing and Availability: Mississippi Licensed Debt Management Service Provider. Licensed in various other states. In CT, DE, GA, HI, ID, KY, LA, ME, MT, NV, NH, NJ, ND, OH, PR, RI, SC, VT, WI and WY, CuraDebt does not provide debt settlement or debt adjustment services and instead may forward the consumer to a law firm that may be able to assist in providing similar services as part of their legal practice. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. Virginia License No. DSP-13. C.P.D. Reg. No. 2024-0673215.
Non-Discrimination Policy: CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry.
Contact and Headquarters: CuraDebt Systems, LLC - 4000 Hollywood Blvd., Suite 555-S, Hollywood, FL 33021. Phone: 1-877-850-3328. Email: [email protected].
Copyright 2000-2025 CuraDebt Systems, LLC. All Rights Reserved.
Eric Pemper
Eric Pemper founded the company that became CuraDebt in San Diego in 1998, reincorporated as CuraDebt Systems, LLC in 2008, and has been serving consumers in the debt relief industry for over 25 years.
Eric holds a Bachelor of Science in Computer Engineering from UC San Diego. His analytical background drives CuraDebt's data-driven approach to debt relief, including the development of this means test calculator.
- 🏆 A+ BBB Accredited Business
- 🎓 B.S. Computer Engineering, UC San Diego (1996-2001)
- 📅 25+ years in the debt relief industry
- 👥 1,600+ clients successfully helped
- 🏢 Headquarters: Hollywood, FL
- 📞 1-877-850-3328