Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 29,000 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
$1,312,893,148
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.
Best decision I’ve made… MyUpsolve is legit and helpful for anyone that’s not able to afford to pay an attorney
Easy, reliable, fast and efficient. Process was effortless
Absolutely phenomenal. I would not have been able to file if it weren't for unsolved.
Thank you a lot for all your incredible team for fast response, patience and understanding.
So, I got myself into some charge card debt. I was making minimum payments, and sometimes I was able to make an above the minimum payment. Life wasn't bad. Sure, there wasn't a lot of spare money, but for the most part, I could... Read More
Very easy process!
This is one of the most detailed and organized professional experiences I have ever had! The website and tools were self explanatory and the woman who filled my case said she absolutely loves dealing with clients who use UPSOLV... Read More
Easy process lol and I’m so thankful!! Thank you God!
Proverbs 16:3 exceptional service, attention and customer service from start to finish.
Upsolve helped make the bankruptcy process less stressful and easier to understand. I appreciate the guidance, resources, and support they provide! Thank you, Upsolve!
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.