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
$1,262,226,411
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.
Thanks to Upsolve, you made this so doable, I was stressing seeing all of the paperwork I needed, someone referred me to upsolve and my stress went away. So very efficient, every step. I am very appreciative, if you want help g... Read More
Exceptionally easy to use. Very helpful and fast.
Exceptional service in helping me file
Literally so easy and straight forward! I will definitely recommend them!
I struggled to get the propper packet from the courts, when all the clerks could do here in Arkansas was direct me to get all my paperwork from a website that does not separate debtor and creditor forms well. I really apprecia... Read More
So Easy and helpful the whole way through! I was able to get all my fees waived and all I had to do is print all my paperwork that Upsolve had ready for me and take it down to the Bankruptcy building. It took about 10 mins and ... Read More
My experience was top tier. Everything you need they will help you through. All my forms was in order. When I went to file i wasn't in clerk office 15 minutes. I recommend Upsolve to help you get a new fresh start
Upsolve saved me a lot of money, wish I would have filed sooner
The Upsolve website is a must for anyone that is interested in filing bankruptcy on their own. It was very easy to self navigate, and the step by step instructions were helpful. I would definitely recommend Upsolve to anyone ne... Read More
From the beginning, I was feeling very overwhelmed and somewhat confused. There were a lot of hows, what-ifs, and what-abouts swirling around in my head, but now that I've turned in my paperwork to the court, I'm realizing I wa... 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.