Is filing for chapter 13 bankruptcy better than a debt management plan with a credit counseling agency when comparing my total out of pocket expenses over five years?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is filing for chapter 13 bankruptcy better than a debt management plan with a credit counseling agency when comparing my total out of pocket expenses over five years?
3 real searches · 1 real-search pass
Chapter 13 bankruptcy costs attorney fees trustee percentage filing fee official U.S. Courts 2026Google ↗
OBSERVEDShort fact
NFCC debt management plan fees interest rates repayment 3 to 5 yearsGoogle ↗
OBSERVEDShort fact
CFPB debt management plan versus bankruptcy Chapter 13 costsGoogle ↗
OBSERVEDComparison
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
Chapter 13 bankruptcy costs attorney fees trustee percentage filing fee official U.S. Courts 2026 Google ↗
NFCC debt management plan fees interest rates repayment 3 to 5 years Google ↗
CFPB debt management plan versus bankruptcy Chapter 13 costs Google ↗
- Chapter 13 · uscourts.gov
- 28 U.S.C. § 1930: Bankruptcy fees · uscode.house.gov
- What is a Debt Management Plan · nfcc.org
- Guide to Debt Relief and Debt Management Programs: The Pros and Cons of Each Type - NFCC · nfcc.org
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
- Guide to Debt Relief and Debt Management Programs: The Pros and Cons of Each Type - NFCC · nfcc.org
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chapter 13 bankruptcy costs attorney fees trustee percentage filing fee official U.S. Courts 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
NFCC debt management plan fees interest rates repayment 3 to 5 years OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
CFPB debt management plan versus bankruptcy Chapter 13 costs OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |