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
$1,258,005,276
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.
easy and very helpful
Upsolve helped the process to be seamless. The court recognized their contributions and praised Upsolve for helping to make the paperwork a breeze.
I recommend highly
Upsolve made the bankruptcy process so much simpler and less overwhelming. Their guidance helped me gather all the information I needed and understand each step with confidence. What initially felt stressful and confusing becam... Read More
Upsolve made filing Chapter 7 on my own much easier and less overwhelming. The instructions were clear, easy to follow, and helped me stay organized through the entire process. I’m very grateful this service exists for people w... Read More
Saved me 2,400
Great service
UpSolve is a lifesaver I would never been able to do this on my own, or so easily. They help you every step of the way, taking a huge burden off my mind. More people need to know about their great service.
I am truly grateful for Upsolve and the support they provided while I was going through my bankruptcy filing. Starting this process was very stressful and honestly overwhelming. I had so many questions and was worried about mak... Read More
Upsolve helped me prepare my bankruptcy paperwork one step at a time. I had to pause my case while I completed my taxes, and I was able to upload the documents and resume where I left off. My filing packet is now ready for me t... Read More
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.