Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 26,000 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
$1,181,188,340
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 100% recommend. Very easy took the stress from filing away. And it didn’t take long for the experts to look over everything and approve my paperwork.
They are Through and easy to work with, It takes time but be patient and they are doing an awesome job Thank You sooo much for making this easier.
It took a few weeks to get everything completed correctly, I can’t say that I would have been able to do it!! I appreciate the services rendered.
Its the best thing i could have done. The upsolve team is great
What was going to cost me $ 2000 dollars with an attorneys referral to a bankruptcy specialist to fill out and file for me . I was able to do myself with unsolved easy to follow and fill out forms. I ended up paying 0.00 dollar... Read More
Made the process so easy.
Needed to file chapter 7 and tried using the self file option on the court's website but it was a bit too hard to understand. While searching for an explanation for one of the forms I came across Upsolve. Their website took a p... Read More
You are truly amazing thank you so so much for helping me get my bankruptcy filed without paying a lawyer
They were incredibly helpful in this very difficult and confusing process. Thank you for being here to help!
Excellent tool. made life easier for me !!!
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.