Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 26,000 Americans
who eliminated $1.2 billion of debt
"The TurboTax for Bankruptcy" — The New York Times
You could be debt-free in as soon as 4 months.
You could be debt-free in as soon as 4 months.
1.
Take our screener to see if Upsolve is right for you: 2 minutes
2.
Fill out our questionnaire about your financial situation: a few hours
3.
We double-check your forms for completeness and accuracy: 1-2 weeks
4.
File your forms at your local court: 1 afternoon
5.
Work with the court and get your discharge: 2-3 months
Total debt relieved since 2018
$1,212,167,851
Why Trust Upsolve?
You're in control: We explain exactly what info you need for your forms, and why. You're in full control of your information at every step of the way.
Privacy: We keep your data safe and secure. It only leaves our servers when you print out your forms.
Affordability: Upsolve is a nonprofit, and our tools are 100% free.
Upsolve has made this stressful process 1000x easier. So grateful I learned about this organization to guide me thru filing on your own! Highly recommend to anyone representing themselves and filing on your own.
AMAZING application. I was going to pay an attorney $1,500 to do what upsolve helped me do for absolutley free!! Such a blessing during this hard time of having to file bankrupcty!! THANK YOU UPSOLVE!!!!
Upsolve saves you the headache and frustration with filing. It makes the process so much easier. Really glad that they're free and helpful along the way!
Upsolve is the best thing that happened to me. They actually walked me through the entire bankruptcy process. I didn't have to pay a penny for their services!! UPSOLOVE IS AWESOME!!!!
I just filed This past Friday..There were many questions and information included in the bankruptcy process but Upsolve was thorough and answer every question that I may have had on all subjects. I would definitely recommend th... Read More
This company was great helping me fill all my paperwork out to file for bankruptcy. I have recommended them to a few people already and will continue to do so. This was the best decision I ever did.
I was not thrilled to find myself in a position where I had to file for bankruptcy. I was even less thrilled to realize how expensive it is to file even though filing obviously means money is not something I have. That’s why I ... Read More
Was leary at first and dragging my feet, but after diving in a 'ripping off the bandaid' I was surprised on how easy and straight forward it was. I assumed I was going to hate the foot work needed to hunt down all the creditors... Read More
Upsolve is the greatest company ever. The process was made so easy for people to prepare the paperwork for Bankruptcy, and the best thing is its FREE. Thank you so much for helping me Upsolve you change my life
Good experience it was very easy
Is Upsolve Right for You?
Chapter 7 bankruptcy is a legal process that everyday people use to clear certain debts and get a financial fresh start.
Like everything, filing Chapter 7 bankruptcy has its pros and cons. The main pros are that collection calls and other actions (including wage garnishment) must stop and, if your case is successful, you will get a financial fresh start by wiping out (most of) your debt for good. The biggest cons are that you cannot get rid of some debts in Chapter 7 and your credit score can take a temporary hit.
To file Chapter 7 bankruptcy yourself, without hiring an expensive lawyer, follow our 10-step guide or start our screener to see if you qualify for help.
To be eligible for Chapter 7, you will need to pass the means test. This looks at your income and expenses to determine whether you have the means or ability to repay your debt. If you make too little to repay your debt, you pass the means test and are eligible to file Chapter 7.
There are four main types of costs associated with filing bankruptcy:
Court filing fees, which are $338 for Chapter 7 (you can apply for a waiver of these fees).
Credit counseling course fees, which can range from $0-$50 (you can apply to waive these fees).
Miscellaneous costs such as printing, traveling to the court, etc.
Attorney fees, which can range from $1,000-$1,500 or more, depending on the complexity of your case and where you live.
The good news is that you do not have to hire a lawyer to file successfully. Upsolve may be able to help you file Chapter 7 bankruptcy for free.