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
$1,073,816,663
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.
Blessings! I wish all the best for you guys, when I thought I'm lost with this hard process, always you can help me with my doubts or any other questions. 300% recommended!!
This was the most efficient process EVERRRRRR with the teammates reaching out and solving all my problems even with transportation issues to file my paperwork 10/10 NGL 🫶🏽🫶🏽
Very happy with Upsolve they helped step by step. I was able to breeze through the process. Thank you I’m at the federal building filing.
An amazing experience! Submitted docs to Upsolve on a Friday and review completed the following Tuesday! Filed with the court 2 days later. Took a total of 6 hrs (over 3 days) to complete. Not complex, but very detailed, as i... Read More
They make it so eazy and quick to review the whole documents. They answer quick. Thank you..
Upsolve is an amazing tool for people who want to file BK and don't want to or don't have the money to pay for an attorney. The procedure is quite simple with an AI tool to help you all the way as well as a very helpful private... Read More
UpSolve literally saved me from financial ruin and mounds of stress! Can’t thank them enough.
Very helpful through the whole process!! Made it all very easy & simple!!
Upsolve was very helpful in filing my case and assisting through the process
This is such a difficult decision to make, and once you decide you want to, the paperwork is just as hard. Upsolve literally made it painless and easy and I feel a weight off my shoulders. I can’t thank them enough for walking ... 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.
How does Upsolve work?
