Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 25,000 Americans
who eliminated $1.2 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
$1,162,131,182
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.
I am so grateful for upsolve they really make the process doable ,& stress free & fast . There’s no way I could’ve got through this without Upsolve. Absolutely God sent . Thank you
Upsolve made the bankruptcy process much easier than I expected. The step-by-step guidance was clear, easy to follow, and helped me file with confidence. I’m very grateful for this free resource. Thank you!
The process was so easy. They walk you through everything. Will recommend Upsolve to anyone that’s thinking about filing. Thanks Upsolve!
After facing unemployment, I found myself in a difficult financial position and unable to afford a private bankruptcy attorney. Fortunately, I discovered Upsolve. Their platform made the process accessible and straightforward w... Read More
Upsolve is an incredible organization. They guided me through every step of the bankruptcy filing process, paying attention to every detail and making sure I had everything I needed. I had countless questions, and every time th... Read More
5 star service and the paperwork were in order and proffesional Thank you
Chapter 7 Bankruptcy. OK!! Listen!!!!!!!!!. If you are thinking about using Upsolve STOP thinking and just DO IT!!!! When I say this process was nothing at all what I thought it would be..If I could HUG🫂the creator I would. Up... Read More
It was super easy
Amazing service that helped me get my paperwork in order!
Super easy step by step walk through electronic walkthrough. Even has third party connection to licensed counselor for the required financial course certificate . Filed my documents today in Georgia and there wasn’t any issues.... 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.