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
$1,130,544,234
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 very grateful to have found Upsolve. This nonprofit organization made the process a lot easier than the average consumer would think filing Chapter 7 bankruptcy is. They made it possible for me to file on my own without ha... Read More
Upsolve has been an absolute answer to prayer! Their free service is a true blessing that has helped me organize my paperwork and walk toward financial freedom with total confidence. If you are stressed about your bills and nee... Read More
Upsolve is the real deal! I couldn’t afford the thousands of dollars for a bankruptcy lawyer, and this nonprofit tool helped me handle everything for free. The step-by-step process made a terrifying situation feel incredibly si... Read More
The best way to file bankruptcy if you're going to file per se
It was very straightforward and easy to navigate very informative as well
Easy process. Filed within a week. Very happy with the service Upsolve provided.
I used upsolve to file and the process was extremely simple and straight forward. I would recommend anyone going through financial struggles to visit upsolve
Theres NOTHING better. Its the turbo tax of filing. Its not quick, but have patience, good things come to those who wait.
Amazing service! Takes the stress and confusion out of filing without an attorney. The app and process is very user friendly, with helpful and understanding customer service help along the way.
Amazing company great help wish I could've leave a 10star easy to fill in papper work.
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.