What are the actual success rates and total costs of debt settlement compared to Chapter 7 bankruptcy for people with fifty thousand in unsecured debt?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the actual success rates and total costs of debt settlement compared to Chapter 7 bankruptcy for people with fifty thousand in unsecured debt?
4 real searches · 1 real-search pass
debt settlement success rate percentage consumers complete programs fees average settlement amount CFPB FTC studyGoogle ↗
OBSERVEDReason
Chapter 7 bankruptcy filing cost attorney fees average 2025 2026 discharge rate statistics USGoogle ↗
OBSERVEDReason
FTC debt relief services rule fees 18 percent settled debt tax cancellation of debt insolvency IRSGoogle ↗
OBSERVEDComparison
Chapter 7 bankruptcy means test California 2026 median income exemptions unsecured debt dischargeGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
debt settlement success rate percentage consumers complete programs fees average settlement amount CFPB FTC study Google ↗
Chapter 7 bankruptcy filing cost attorney fees average 2025 2026 discharge rate statistics US Google ↗
FTC debt relief services rule fees 18 percent settled debt tax cancellation of debt insolvency IRS Google ↗
Chapter 7 bankruptcy means test California 2026 median income exemptions unsecured debt discharge Google ↗
- The Debt Settlement Industry · responsiblelending.org
- 50 Federal Trade Commission.<sup>23</sup> The dat · govinfo.gov
- FTC Reaches Settlement With Nationwide Debt Relief Provider · ftc.gov
- Chapter 7 Bankruptcy Cost: Lawyer and Court Fees · nolo.com
- Court Fees · canb.uscourts.gov
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
- Chapter 7 · uscourts.gov
- BAPCPA Report · uscourts.gov
- Debt Settlement Clients Cut Balances in Half, Paid Fees Equal to 22% of Enrolled Debt: Industry Study · accountsrecovery.net
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
debt settlement success rate percentage consumers complete programs fees average settlement amount CFPB FTC study OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Chapter 7 bankruptcy filing cost attorney fees average 2025 2026 discharge rate statistics US OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC debt relief services rule fees 18 percent settled debt tax cancellation of debt insolvency IRS OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Chapter 7 bankruptcy means test California 2026 median income exemptions unsecured debt discharge OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |