You could be debt-free in as soon as 4 months.
You could be debt-free in as soon as 4 months.
Here's how long each part of the process takes.
1.
Take a screener to see if Upsolve is right for you: 2 minutes
2.
Fill out a 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
$1,066,480,259
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.
Thank you so much! As stressful and scary as this process was this service made it just a bit less stressful. I didn’t even know where to start. You guys were a huge help!
Very pleased with the service. Even when filing the paperwork with the Clerks they seemed happy as well. Stated it’s Upsolve, it’s a good one.
I recommend this 100% Just filed so I will update accordingly.
Very easy to navigate through . Very thorough, I would highly recommend Upsolve.
Trustee even told me your forms were impeccable. Suggesting that anyone looking to do a pro se Chapter 7 bankruptcy, go to Upsolve. You will have peace of mind.
Free and very easy way to file with no hassle.
Great experience with this website. Very helpful and they reviewed my paperwork in less than a week.
I was so scared and skeptical about trying to file for the first time on my own. Upsolve was by far the most accurate and clear option I could have chosen! I just filed yesterday. I’m so excited for the next steps.
Upsolve lighten the burdens of filing pro se. I’m very grateful for this step by step guide and process.
I finally mailed the 108 pages today. I am blessed to have Upsolve because I probably would have never followed through with us, otherwise. Thank you, I appreciate you.
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?
