If you're in debt, bankruptcy is a lifeline.

Our nonprofit helps you file for bankruptcy for free, guiding you through every step.

Should I Consider Bankruptcy?
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Proudly Funded by the Following and Many Others
Harvard UniversityLegal Services Corporation
Read about our Nonprofit in the National Media!
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Financial Education

Get smart about your bankruptcy

Should I file for bankruptcy?
Unsure of whether you should file? Upsolve is here to help.
How do I stop my wages from being garnished?
Learn about how bankruptcy can help.
How much does bankruptcy cost?
The court may charge you fees. Know what they are.

Can I keep my property?
Learn how Chapter 7 may effect your property.
What is Chapter 7 vs. Chapter 13?
Read about the different types of personal bankruptcy.
Visit our Learning Center to read all of our articles about bankruptcy.

Drawing of a person filing for Chapter 7 bankruptcy online

Step 1. Answer Easy Questions Online

Our nonprofit’s mission is to help you through the bankruptcy process, step by step. First, you’ll tell us about your financial situation in our mobile-friendly online questionnaire. This includes questions about what you earn, spend, own, and owe. Then, you’ll upload documents the court requires. This consists of your last 60 days of pay stubs, and your last two years of tax returns, if you have them. Finally, you’ll complete an online financial lesson and receive a certificate that the court requires you to file. We use the information from your online questionnaire, the documents you upload, and your credit report, to populate the bankruptcy forms you’ll file with the court.

Drawing of person walking to court to file Chapter 7 bankruptcy

Step 2. Review Case and File Forms

Second, you will finalize your bankruptcy forms with the help of a bankrutpcy attorney. You'll answer a few follow up questions to make sure your forms are ready to be filed with the bankruptcy court. If need be, you'll make revisions to your forms. Once the review is over, you’ll sign the forms and file them on your own at the clerk’s office of your local court. You’ll also mail documents like your pay stubs and tax returns to the official who oversees your case, called a trustee.

Drawing of person celebrating after filing Chapter 7 bankruptcy online

Step 3. Attend a Short Meeting

Third, you’ll come back to our website to complete a second online financial lesson and obtain a second certificate that the court requires for your debt to be discharged. You’ll also watch a video we created to prepare you for your 341 meeting, which is your meeting with the trustee that takes place one month after you file for bankruptcy. Finally, you’ll attend your meeting with your trustee at your local court and wait for your debt to be erased, if your filing is successful.

Join millions who have gotten a second chance.

Upsolve is a 501(c)(3) legal aid nonprofit that started in 2016. Our mission is to help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost. We do this by combining the power of technology with pro bono attorneys. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have mission-driven funders that include the U.S. government, former Google CEO Eric Schmidt, and private charities.

To learn more, read our reviews from past clients, or read our press coverage.