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
$1,202,841,203
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.
If you ever felt stuck in the pit of a bunch of little dumb mistakes that added up and things happened where your intentions to pay it back got over powered by circumstances and good intentions that you lost control of. I had s... Read More
I was easy and guidance was great.
10/10. Filed for chapter 7 bankruptcy individually, no attorney help or guidance. Their website is very user-friendly and walks you through the bankruptcy process really well while also acknowledging how important it is to seek... Read More
I used their service, very simple and even though bankruptcy process is very tedious, they make it simple enough to use for us that don't have the money to get a lawyer! They were also very helpful and nice with the whole proce... Read More
great service
Up solve so far has been a walk in the park in regard to my bankruptcy. The tools being used to file is making this process very easy. The forms are explained before you sign for your own knowledge and understanding. This step ... Read More
Amazing service. Upsolve made it simple for me to take a step that I’d been avoiding for far too long! I would recommend to anybody who asked.
after you put all your numbers and information in, the process is smooth sailing!
Fantastic and thank you
Smooth straight forward experience thanks you upsolve team!
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.