Is debt settlement a safer bet for my household than bankruptcy if we want to avoid ruining our credit score completely?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is debt settlement a safer bet for my household than bankruptcy if we want to avoid ruining our credit score completely?
3 real searches · 1 real-search pass
CFPB debt settlement risks credit score fees tax consequences missed payments officialGoogle ↗
OBSERVEDConsequence
U.S. Courts bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years officialGoogle ↗
OBSERVEDConsequence
FTC debt relief services debt settlement stop paying creditors risks officialGoogle ↗
OBSERVEDConsequence
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
CFPB debt settlement risks credit score fees tax consequences missed payments official Google ↗
U.S. Courts bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years official Google ↗
FTC debt relief services debt settlement stop paying creditors risks official Google ↗
- What is a debt relief program and how do I know if I should use one? · consumerfinance.gov
- How long does a bankruptcy appear on credit reports? · consumerfinance.gov
- How To Get Out of Debt · consumer.ftc.gov
- Chapter 13 · uscourts.gov
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
- Getting Help When You’re in Debt · consumer.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB debt settlement risks credit score fees tax consequences missed payments official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
U.S. Courts bankruptcy Chapter 7 Chapter 13 credit report 10 years 7 years official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FTC debt relief services debt settlement stop paying creditors risks official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |