Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 27,000 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
$1,233,027,381
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.
Super quick and easy experience. took about a week to prepare and file with the court. Thanks upsolve for your help through this journey.
Thank you for the help that you guys provided with the forms. It made life so much easier and helpful when an attorney is unable to be afforded.
This was a time-consuming process, however UPSOLVE made it easy to get through it. I provided the information they filled the forms out with the information. I would recommend if you’re unable to afford an attorney.
So quick and easy to use you won't believe it until you too see it! DIY
Everything worked out perfectly!!
So helpful! Literally could not have done it without Upsolve. Thank you for making it as easy as possible without a lawyer.
A life saver ! Super easy to fill out and convenient
I am thankful there is help like this for bankruptcies.
So far so good.. upsolve walked me through the 89 pages of paperwork and saved me time and headaches plus not paying a lawyer! I have filed and just waiting for the Trustee meeting. I am grateful to have found Upsolve..
I don’t know where I would be without Upsolve. They are the absolute best. They made it very easy and simple to understand how to fill out the paperwork they were able to guide me through if I have questions. I was able to com... 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.