Is it better to settle debt for pennies on the dollar or just file bankruptcy to clear everything out at once
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to settle debt for pennies on the dollar or just file bankruptcy to clear everything out at once
3 real searches · 1 real-search pass
Consumer Financial Protection Bureau debt settlement risks creditors sue fees tax forgiven debt bankruptcy comparisonGoogle ↗
OBSERVEDComparison
U.S. Courts Chapter 7 Chapter 13 bankruptcy basics automatic stay discharge debts exemptions means testGoogle ↗
OBSERVEDInstruction
IRS canceled debt taxable income insolvency exclusion Form 982Google ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Consumer Financial Protection Bureau debt settlement risks creditors sue fees tax forgiven debt bankruptcy comparison Google ↗
U.S. Courts Chapter 7 Chapter 13 bankruptcy basics automatic stay discharge debts exemptions means test Google ↗
IRS canceled debt taxable income insolvency exclusion Form 982 Google ↗
- Topic no. 431, Canceled debt – Is it taxable or not? · irs.gov
- Publication 4681 (2025), Canceled Debts, Foreclosures, Repossessions, and Abandonments · irs.gov
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
- What is a debt relief program and how do I know if I should use one? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Consumer Financial Protection Bureau debt settlement risks creditors sue fees tax forgiven debt bankruptcy comparison OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
U.S. Courts Chapter 7 Chapter 13 bankruptcy basics automatic stay discharge debts exemptions means test OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
IRS canceled debt taxable income insolvency exclusion Form 982 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |