Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 24,000 Americans
who eliminated $1.1 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
$1,100,770,176
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 has greatly helped me as a retired man with no one to help came to the rescue and helped me file for Chapter 7. Thanks
I used Upsolve to help me file for bankruptcy, and honestly, I’m thankful this resource exists. The process can feel overwhelming, especially when you’re already dealing with stress financially, but Upsolve helped make everythi... Read More
Such a good resource for self-filing bankruptcy!
Quick and easy
Upsolve did a excellent job and make the process much less stressful. Thank you
Amazing made everything super easy to use and easy to understand how everything works and what everything means.
The best experience IMO. Fast, reliable and I was able to mail everything in. The day it was received it was processed!
Easy to fill out and get filed. This is a great company to work with!
Exceptional service and product. I would not have been able to afford an attorney, but this made it possible to file for banktruptcy and was a tremendous help. Thank you to all who helped me!
Filing bankruptcy is traumatic and arduous at best. If you’re alone in the process Upsolve makes it easier. Double check and triple check everything
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.
How does Upsolve work?
