Chapter 13 repayment plan vs lump sum debt settlement for families trying to save their primary residence
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Chapter 13 repayment plan vs lump sum debt settlement for families trying to save their primary residence
3 real searches · 1 real-search pass
Chapter 13 bankruptcy cure mortgage arrears keep home official US Courts automatic stay 3 to 5 yearsGoogle ↗
OBSERVEDConsequence
CFPB debt settlement foreclosure mortgage delinquency lump sum debt settlement risksGoogle ↗
OBSERVEDReason
IRS canceled debt insolvency bankruptcy exclusion debt settlement tax consequencesGoogle ↗
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
Chapter 13 bankruptcy cure mortgage arrears keep home official US Courts automatic stay 3 to 5 years Google ↗
CFPB debt settlement foreclosure mortgage delinquency lump sum debt settlement risks Google ↗
IRS canceled debt insolvency bankruptcy exclusion debt settlement tax consequences Google ↗
- Chapter 13 · uscourts.gov
- What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair? · consumerfinance.gov
- Topic no. 431, Canceled debt – Is it taxable or not? · irs.gov
- Process · uscourts.gov
- What is a debt relief program and how do I know if I should use one? · consumerfinance.gov
- Publication 4681 (2025), Canceled Debts, Foreclosures, Repossessions, and Abandonments · irs.gov
- Publication 908 (2025), Bankruptcy Tax Guide · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chapter 13 bankruptcy cure mortgage arrears keep home official US Courts automatic stay 3 to 5 years OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB debt settlement foreclosure mortgage delinquency lump sum debt settlement risks OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS canceled debt insolvency bankruptcy exclusion debt settlement tax consequences OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |