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
$1,206,053,438
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.
Amazing Melissa helped me out so much! I really appreciate everything ❤️
Upsolve have saved my life and gave me a fresh start. I was able to ask questions and I felt comfortable with everything.
Blown away by this process with Upsolve. Bankruptcy is an objectively hard decision to make, but this community has made the challenge just a bit easier. From start to finish, I never felt alone. I feel like I am one step close... Read More
Easy, thorough process. Took maybe a week for everything to be processed and reviewed
The process is a step by step process guided by upsolve. Upsolve made the process ass smooth and easy as possible. I truly appreciate Upsolve for helping me through this process. Thank you.
Upsolve makes the process very easy. After taking the documents to be filed at the bankruptcy court, the gentleman didn’t find anything wrong with documents after reviewing them. I filed this morning and two hours afterwards, t... Read More
Filing chapter 7 bankruptcy was not an easy decision. Unsolve have made this process simple. When I filed it said it could take up to 2 weeks to review my information. It only took 5 days. And I filed today which is 6 days from... Read More
If you can't afford an attorney this site and company will take you thru each step and get your papers in a one stop shop. It is saving my life right now, I hope!
Very detailed and easy!
UpSolve was great in every step of the bankruptcy process. I was able to file my bankruptcy with no issues or concerns. I appreciate and value everything that the whole UpSolve team did for me. Thank you so much.
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.