Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 26,000 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
$1,191,097,957
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.
Upsolve made it so easy to file. Very informative & helpful with answering my questions.
Wonderful everything was wonderful. I’m so grateful 🥲 Thank you God
The process was easy. They make sure everything is answering correctly and done so with efficiency. It’s a great site to use if you can’t afford an attorney. They will make sure you get it done the right way. I’d recommend to a... Read More
Run , run , run! They were perfect and awesome . I’d recommend any day!🩷
I appreciate upsolve so much for helping me with my bankruptcy. It was a pretty easy process and thanks to upsolve I'm able to begin my fresh start
Upsolve truly helped me with the process of filing for bankruptcy and their forms are pretty easy to understand and fill out. I am so grateful to them!!
I had a smooth experience using Upsolve. The instructions were clear, the resources were helpful, and the entire process felt well organized. I highly recommend it to anyone looking for reliable guidance.
Very easy to read along and follow the directions. Took a lot of worry out of filing on my own. Would recommend to someone who has straightforward paperwork to file. Thank you for giving me hope to take care of my family and ma... Read More
(Translated by Google) I submitted the documents to the court today and so far everything is fine... (Original) PRESENTE LOS DOCUMENTOS ANTE EL TRIBUNAL HOY Y HASTA EL MOMENTO TODO BIEN ...
Thank you !
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.