Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 25,000 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
$1,173,205,334
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.
Great service to use to help you fill out the forms without the need to get a lawyer. All you need to cover is the courses needed and to be as honest as possible with your situation. The people who helped were helpful and quick... Read More
Thank you to Upsolve for helping me with my bankruptcy. They explained everything I needed to do and helped with the paperwork that I filed with the court. Thank you Upsolve! I thought. Came out with this
It was an effortless process. Highly recommended.
This has been an overwhelmingly positive experience. I cannot say much more in this review yet (due to time, but I will update when the case closes). However, I can say for certain that at the stage I'm at in this process, I co... Read More
I don’t know what I’d have done without you
Very easy process! I would recommend Upsolve to anyone.
Very helpful and a great place to file
I would 100% recommend them if you can’t afford an attorney steps were simple and easy and they were there to help when they could.
Upsolve format for filling made it easy, thank you for you service!
Quick, helpful and without a doubt i would still be floundering around trying to figure out what to do if Upsolve hadn't helped! So grateful!!!!!!
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.