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
$1,138,326,721
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.
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.
I highly recommend this app! I was using YouTube and Google Gemini to figure things out, but this completely sped up the process. It handled all the necessary paperwork and stopped me from doing a bunch of unnecessary extra ste... Read More
Upsolve was an immense support for my family and me during a time when we needed a fresh start. The software was easy to follow and user-friendly, making the process much less overwhelming. It was important to provide accurate ... Read More
Best services ever. Truly so glad I came across Upsolve they’re very helpful and informative.
Extremely grateful for this service. Lawyers quoted more than $2,000 to assist, and Upsolve walked me through each step. I now have a case number to give to creditors, and I don't know that I could have navigated this process ... Read More
Fast & easy service 10/10 recommend
Upsolve has been a God send for filing bankruptcy. It was an easy process and it saved me $2k for attorney's fees. I was scared but I did it and I do not regret my decision.
This was amazingly easy and truly a Blessing! I would definitely recommend this process to anyone!
Upsolve did a great job helping me navigate this process. I am incredibly grateful for their support and assistance. Anthony McKnight
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.