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
$1,304,760,068
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.
This organization really helped me with all the paperwork all I had to do was file them with the court
Upsolve helped me when I needed it the most. It was easy to file and the clerk said the documents were filled out correctly. The clerk also stated that she receives a lot of cases filed with Upsolve and they always have the doc... Read More
Very quick and easy to complete. Court accepted all my documents. Truly a breeze
Very straightforward and thorough. Makes this process so much less stress during an already stressful time in life
God bless the people who created Upsolve! This has been the smoothest process and has allowed me to be one step closer to this weight of debt being lifted off my shoulders.
Upsolve is great and made filing pro se way easier. I’d definitely recommend them to anyone who needs to file for bankruptcy but can’t afford a lawyer.
Thank you so much to the team at upsolve I was able to file by myself because if y'all thank you will most definitely recommend to everyone I know
Upsolve is very user friendly and I am glad it is accessible to those of us that need it.
This site really helped me understand so many steps I needed. A family member used this and told me to do it through them. I loved it as a first timer.
Unsolved was very helpful to me as I filed my bankruptcy. I was able to follow the steps very easily.
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.