Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 27,000 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
$1,257,911,444
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.
Was easy & straightforward. Swift service & I really appreciate the fact that the documents come with papers throughout it that give you a heads up that you'll have to sign on the next page .. so you won't accidentally miss it ... Read More
I highly recommend using this site, it was very helpful! I’m starting my journey today!
It was really easy to fill out all of the information needed and if I had questions the chat option was great! It was also convenient to have the links for the credit counseling immediately available
Awesome service they offer. You must review your paperwork and make corrections before filing. Im very grateful for this service they offer
Upsolve truly helped me during this stressful time. I appreciate the support and effort the team puts into helping others.
Quick & Easy!!! Step by step guidance!!!
Everything flowed perfectly using Upsolve to file chapter 7. Didn't have to pay money for an attorney, or to file. I definitely recommend and I am thankful for this service!
They really made the whole process easy and walk you through it. Any question I had during this process their system was designed to have the answer.
Upsolve was so simple and easy particularly since I keep almost everything lol. They prepared the documents for me to print and mail (E. TN does not have electronic filing unfortunately). I would definitely use them again (hope... Read More
Upsolve was very helpful! Thank you so much, for helping me file my case :)
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.