Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 25,000 Americans
who eliminated $1.1 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
$1,138,355,346
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.
Super easy, I was able to ask any question with it being answered fully without any doubt. Referred to my friends
Upsolve relieved me of a lot of anxiety! Very helpful.
I am truly thankful for the beautiful helpful volunteers 🙏🏼🥰
Absolutely simple, step by step guide that made the whole process so easy! Looking forward to financial freedom thanks to upsolve!
⭐⭐⭐⭐⭐ Upsolve made what felt like an overwhelming process so much easier. I was able to prepare my Chapter 7 bankruptcy paperwork step by step with clear instructions, and everything was explained in a way that was easy to und... Read More
Helped me so much! Thank you!
An absolute life saver. I was drowning in efforts figuring out how to pay everyone. I was blessed to find your organization. So far all is going well; I am thankful for your dedication to helping the needy. Thank you🙏
This was such an easy process with volunteers that always answered my questions in a timely manner. I could have and would have never filed bankruptcy without the help of Upsolve. Thank you
I’m so grateful for this non profit. The process was easy which made it easy for people going through so much already
This is an excellent resource that provides all forms needed to file bankruptcy. It is well designed and basically makes it impossible to make mistakes if your information is accurate.
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.