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Questions about Upsolve

Learn about Upsolve, America’s #1 free bankruptcy tool.

Upsolve helps you get a fresh start for free through bankruptcy. Our free web tool helps you generate your bankruptcy forms in three hours. Since 2016, we have helped more than 3,000 families erase their debt and get a fresh start. Learn more about our nonprofit and what we do.

This page is your home base for answering your questions about Upsolve.

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Is Upsolve real? Is this a legitimate service?

Written by Attorney Andrea WimmerLegally reviewed by Jonathan Petts
Updated May 7, 2025

Yes! Upsolve is 100% a legitimate service! We are a small mission-driven team of dedicated individuals, focused on a single goal: Helping low-income Americans struggling with too much debt get a fresh start by filing a Chapter 7 bankruptcy.

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How Is Upsolve Free?

Written by Jonathan Petts
Updated July 8, 2025

A note from our CEO on why transparency matters to us.

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Everything You Need to Know About Upsolve for Bankruptcy or Debt Relief

Written by Upsolve Team
Updated July 8, 2025

Upsolve is a nonprofit that helps low-income Americans overcome their debt. We offer a free filing tool that helps people file Chapter 7 bankruptcy without a lawyer. But we know that bankruptcy isn't the only option for dealing with debt. That's why we're expanding our services with Upsolve Assist, a comprehensive debt relief platform launching soon. Upsolve Assist provides personalized guidance on various debt relief options like debt repayment plans, consolidation, debt management plans, settlement, and income-driven repayment plans for student loans.

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Upsolve's Commitments to Our Users

Written by the Upsolve Team
Updated May 6, 2025

Upsolve is here to empower you. We understand how stressful it is to navigate debt, low credit scores, and bankruptcy on your own. You deserve support that helps you regain control of your financial health. Here's what you can expect from us.

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Y-Combinator

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.