Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 28,000 Americans
who eliminated $1.3 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
$1,264,962,589
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.
Incredibly helpful with filing
It was so easy and self explanatory. Best decision
The best and easiest experience!
Great service, they make sure you fully understand what you are signing. They also remind you multiple times so you don't forget to file your case. Thanks Upsolve!
Great service. Simple and easy.
Upsolve is awesome! The process of filing Chapter 7 was so easy, they did all of the heavy lifting and in a timely manner. I would absolutely recommend them to anyone that needs to fille Bankruptcy. It allowed me to file hassle... Read More
By far the most informational about filing for bankruptcy giving you full understanding of everything you need to know and outstanding help with filling out the forms that are required answering all questions in a fast and time... Read More
Upsolve is just perfect. They help step by step on what you need to do. Perfect service definitely will let my friends know about their services
this was the best and easiest filing for a first time loved it
A god send company. They literally streamlined everything i needed to file with the courthouse. I was nervous since it would be my 1st filing, but everything you could need, they provide for little to no cost. Was in and out of... Read More
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.