Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 24,000 Americans
who eliminated $1.1 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
$1,115,974,900
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 don't write many reviews but words cant describe how grateful i have been for this service. Filing through a lawyer in my area costs 1.5k-2.5k. I have been disabled due to my chronic health conditions and have been waiting on... Read More
This made the filing easy and was very heplful
I filed my bankruptcy today using Upsolve, and the process was so much easier than I ever imagined. The platform walked me through everything step by step in a clear and simple way, which made a stressful situation feel managea... Read More
This process was easier than I thought ofcourse I didn't have assets and Only wanted to keep one thing. Still the step by step process was easy and I'm grateful I didn't have to stress about money for an attorney.
Very helpful and easy to use! I highly recommend!
I was able to file and the court house clerk really appreciated going through upsolve.
Upsolve made filing for bankruptcy way less scary and so easy! I was nervous going into this process to do something wrong but they literally walk you through every single step and make it impossible to mess up!
Upsolver really helped me out. I am 62 needed to file bankruptcy but didn't have money to pay for someone to create my papers and it was so easy and I filed and waiting for court date. I would use them and will recommend them to my friends
Very helpful service its a great thing that you guys exist.The process is easy and streamlined. Thank You
Upsolve has greatly helped me as a retired man with no one to help came to the rescue and helped me file for Chapter 7. Thanks
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?
