Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 28,000 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
$1,301,293,061
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.
Excellent service. Outstanding results. Thank you for making it painless and less scary.
Upsolve was a lifesaver. The entire process was clear, user-friendly, and stress-free. I appreciate the work this nonprofit does to help people access financial relief without expensive legal fees.
THEY ARE "THE BUSINESS" I COULDN'T HAVE DID WITHOUT YOUR TEAM TO HELP. THANK YOU FOR ALL YOUR HELP. JUST DOESN'T SAY ENOUGH.
These people are doing an amazing public service! I finally saw reality and owned that I am officially bankrupt. There was no remaining money for an attorney and I really tried to navigate the paperwork on the government websit... Read More
The process was super easy and straightforward! I would definitely recommend. They're thorough in what is needed every step of the way!
I used Upsolve to prepare my chapter 7 paperwork and so far everything seems to be in order. I have my 341 meeting scheduled. I would recommend their services :).
The layout was easy to understand & complete. I like that each section was broke down. I could do it at my own pace. Last but not saved me a lot of money which was great. I would definitely use them again if I ever catch myself... Read More
Upsolve is an amazing organization and made it so much easier to file pro se. I would 100% recommend them to anyone filing a ch 7 who cannot afford lawyer fees.
Thank you all for making this possible for me!
This has been a great experience so far. I highly recommend it.
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.