Interactive scenario analysis built for your exact situation. Adjust any input and watch the verdict update live.
Share of liabilities you expect to pay in the Sub V plan
BIG tax avoided on property sales (post-July 2027): ~$3,150,000 (21% federal on assumed built-in gain)
Estimates only — not legal or tax advice. Lawsuit outcomes are probabilistic. Consult your attorney and CPA.
Expected_Big = P(adverse) × Settlement_if_adverse
Default: 90% × $35M = $31.5M
Total = Big_Expected + Other_8 + CIGA_Net
Rental_Cash = Annual_Rental × (Months / 12)
Net_Pre = (FMV + Other + Rental) − Fixed_Liab − Total_Lawsuit
If Net_Pre − $1,000,000 > 0 → SOLVENT; otherwise → INSOLVENT RISK.
Net_BK = (FMV + Other + Rental) − Fixed_Liab − Total_Lawsuit×(1 − Recovery) − $100k costs
Assumes the automatic stay halts all suits and you reorganize remaining exposure at the recovery rate you set.