You could be debt-free in as soon as 4 months.
You could be debt-free in as soon as 4 months.
Here's how long each part of the process takes.
1.
Take a screener to see if Upsolve is right for you: 2 minutes
2.
Fill out a 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
$1,063,160,223
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.
This process wants made so easy and straightforward. I love it
Helped me file on my own and seems like everything will work out.
Upsolve was truly great with helping me with this process. I felt really comfortable going to file the paperwork at the court
Thank you for helping me through this big scary task. The process was super user friendly and easy to navigate. Your services are greatly appreciated and helpful.
Upsolve take a little bit of time but it’s worth it.
Really Easy straightforward is basically dummy proof i would recommend for people following chapter 7, which doesn't really have cash to pay attorneys. It's a great option.
Amazing experience, I didnt have the money to pay for an attorney and found out about Upsolve on reddit. Couldn't have been easier, the UI is well designed and easy to understand, they walk you through everything in a simple... Read More
Made the process of filing much less intimidating and I felt confident in the paperwork that I filed.
VERY EASY
Bankruptcy is a very lengthy process, but Upsolve makes it hassle free. They were quick to respond and help me with the process. I absolutely recommend their service!
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?
