Attorney Andrea Wimmer

What Type of Debt Can I Erase in Chapter 7 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated November 7, 2024

Chapter 7 bankruptcy is a powerful tool that wipes out common consumer debts, including credit card debt, medical bills, personal loans, payday loans, unpaid utility bills, and more. Some debts, like child support and alimony, can’t be discharged in bankruptcy.

How Long Does Chapter 7 Bankruptcy Take?

Written by Attorney Andrea Wimmer. 
Updated November 7, 2024

From filing to discharge (wiping out debts), Chapter 7 bankruptcy cases typically take 4–6 months. As far as personal bankruptcies go, Chapter 7 is the fastest. By comparison, Chapter 13 takes 3–5 years because a repayment plan is involved. If you file Chapter 7, the timeline for discharge will depend on how complicated your case is, what kind of debt you have, and how quickly you complete the requirements like the financial management course.

Chapter 7 Means Test Calculator

Written by Attorney Andrea Wimmer. 
Updated November 5, 2024

The Chapter 7 means test is the analysis that determines whether you're eligible to file Chapter 7 bankruptcy. It’s called the bankruptcy means test because, at its most basic level, it looks at whether someone has the means (ability) to pay their debts. The means test has two main steps, but if you "pass" the first step, you don't have to do the second step. In the first step, you'll compare your income to the median income in your state based on the size of your household. If you don't "pass" the first step, you can move on to the second step, which takes your expenses into account as well.

Can I File Bankruptcy Without My Spouse?

Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated November 4, 2024

If you’re married, you can file bankruptcy without your spouse. But doing so doesn’t mean your spouse won’t be impacted. Before you choose whether to file individually or jointly, you’ll want to consider many factors, including what debts and assets you have together, whether you co-mingle your finances, and if there’s a prenuptial agreement.

Can I Keep My Car If I File Chapter 7 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated November 1, 2024

Filing for Chapter 7 bankruptcy doesn’t necessarily mean you’ll lose your car. If you’re current on payments and your vehicle’s value falls within your state’s exemption limits, you may be able to keep it. Some people also choose to “redeem” or “reaffirm” their car loan to keep their vehicle. Understanding your options can help you make the best choice for your financial situation.

Can I Keep My Car If I File Chapter 7 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated November 1, 2024

Filing for Chapter 7 bankruptcy doesn’t necessarily mean you’ll lose your car. If you’re current on payments and your vehicle’s value falls within your state’s exemption limits, you may be able to keep it. Some people also choose to “redeem” or “reaffirm” their car loan to keep their vehicle. Understanding your options can help you make the best choice for your financial situation.

What Happens When a Chapter 13 Case Is Dismissed?

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated October 31, 2024

When a Chapter 13 bankruptcy is dismissed, your case ends without the debts being discharged and you lose the protection of the bankruptcy court. Creditors can start or resume collection actions against you, including wage garnishments, lawsuits, or foreclosure proceedings. Any payments you made through your Chapter 13 repayment plan won’t be refunded, and your debts will go back to the amounts you owed before filing, minus any payments you made during the case. Additionally, the bankruptcy dismissal will appear on your credit report, which can negatively impact your credit score.

Can You File Bankruptcy and Keep Your House?

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated October 28, 2024

Many people who file bankruptcy are able to keep their home, but whether or not you’ll be able to do so depends on several factors. To keep your home in Chapter 7, you’ll need to be up to date on your mortgage payments and your home equity must be covered by the homestead exemption in your state. In Chapter 13, you can catch up on missed mortgage payments through a repayment plan, which can help you keep your home and avoid foreclosure.

Can My Social Security Disability Benefits Be Garnished?

Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated October 28, 2024

Social Security Disability Income (SSDI) benefits are generally protected from garnishment, which means creditors can’t take this money to pay off most debts. But, there are some exceptions. Your SSDI benefits can be garnished to cover unpaid child support, alimony, federal taxes, or federal student loans.

How Much Does It Cost To File Bankruptcy?

Written by Attorney Jenni Klock Morel. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2024

It can cost as little as $400 to file for bankruptcy or up to as much as $3,000 or more if you hire a bankruptcy lawyer. Bankruptcy costs include court filing fees, credit counseling course fees, and attorney fees if you hire a bankruptcy lawyer. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or Chapter 13 bankruptcy.

Can You Spend Money Before Filing Chapter 7 Bankruptcy? How Much?

Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated October 23, 2024

Before filing Chapter 7 bankruptcy, you can spend money on necessary expenses like rent, utilities, groceries, and medical bills. However, you should avoid making any large or unusual purchases or paying off debts to friends or family, as this could raise red flags with the bankruptcy court. Spending money on luxury items or transferring assets before filing could be seen as fraudulent and might affect your case.

Sent to Collections Without Notice? Here’s What To Do Next

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2024

Creditors can legally send your debt to a collection agency without notifying you first. In most cases, you’ll have some notice that your account is at risk of being sent to collections. Once a debt collector has your debt, they’re legally required to provide you with a written notice of your debt account before they first contact you or within five days of their first contact with you.

How To Stop Wage Garnishment Immediately

Written by Attorney Andrea Wimmer. 
Updated October 16, 2024

There are four direct ways you can take action to stop a wage garnishment: 1. Try to negotiate a payment plan with your creditor(s) or settle your debt. 2. Challenge the wage garnishment in court. 3. File for bankruptcy to stop the garnishment fast. 4. Reach out to a nonprofit to ask for financial assistance. Having your wages garnished reduces your disposable income and can feel very stressful. But remember, you have rights and there are ways to stop the garnishment.

The Complete Guide To Medical Bills and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 16, 2024

A healthcare provider can try to collect unpaid medical debts, just like any other debt collector might. A provider may even take legal action to garnish a patient’s wages if their collection efforts are ignored. Before a provider can take your wages, the facility or physician must sue you for nonpayment and win the case in court. If a healthcare provider wins a lawsuit against you, the court will award a judgment (court order) to the provider or its collection agent to garnish your wages. You may be able to avoid or stop a garnishment. Learn more in this article.

What Is Chapter 13 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated October 15, 2024

Chapter 13 bankruptcy can help provide debt relief for folks who make too much money to qualify for Chapter 7. At its core, it reorganizes your debt to allow you to pay back as much as you can handle over a 3–5-year payment plan. After you make all your plan payments and meet all the other requirements, the bankruptcy court will enter a discharge, which wipes out your remaining eligible debt.

Consequences of Not Paying Student Loans: Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 23, 2024

Federal student loan payments are set to resume in October 2023. If you can’t make your student loan payments your credit score, employment opportunities, and emotional well-being can all be affected. This article explains the consequences you may face if you don’t make your student loan payments and proposes some strategies to deal with student loan debt when you can’t make your monthly payment.

How Long Does It Take To Pay Off Student Loans?

Written by Attorney Andrea Wimmer. 
Updated September 23, 2024

How long will it take you to pay off your loans? It depends on what type of loans you have, the interest rate, and what repayment plan you’re on. It generally takes 10 to 30 years to repay federal student loans. While repaying private loans can take anywhere from 5 to 20 years.

What Are the Arizona Bankruptcy Exemptions?

Written by Jonathan Petts. 
Updated September 17, 2024

Exemptions help you protect your property and assets in bankruptcy. There are both state and federal exemptions, but Arizona has opted out of the federal bankruptcy exemptions. That means, if you’ve lived in Arizona for at least two years when you file your bankruptcy case, you have to use Arizona's exemption laws. Arizona has a generous homestead exemption of $250,000. The motor vehicle exemption is $15,000 for single filers (or $25,000 if you or a dependent is disabled). Arizona does not have a wildcard exemption.

What Are the Oregon Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 17, 2024

If you’ve lived in Oregon for at least two years when you file bankruptcy, you can choose between the state or federal bankruptcy exemptions. Generally speaking, if you’re filing alone and you own a home, you’ll get great protection using Oregon’s state exemptions. If you don’t own a home, you may benefit more from federal exemptions, which provide a more generous exemption for your car and a wildcard exemption you can use to protect any property not otherwise protected.

What Are the Illinois Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 17, 2024

If you’ve been an Illinois resident for at least two years, you’ll need to use the state’s exemptions if you file Chapter 7 bankruptcy. Exemptions help you protect important property, from your household furnishings and clothing to your car and retirement accounts. The homestead exemption in Illinois is $15,000 (or $30,000 if you’re married and filing jointly). The motor vehicle exemption is $2,400. Illinois also offers a $4,000 wildcard exemption.

What Are the Michigan Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 5, 2024

If you’ve lived in Michigan for at least two years when you file bankruptcy, you can choose between the state’s exemptions or the federal bankruptcy exemptions. Both have the same aim — to help you protect your property. Michigan has a higher homestead exemption than the federal government ($46,125 vs. $27,900). But if you aren’t a homeowner, the federal exemptions for personal property, including your vehicle, are more generous.

Filing your pro se bankruptcy forms during the COVID 19 Outbreak

Written by Attorney Andrea Wimmer. 
Updated August 27, 2024

Although most courts are closed to the public, you can still file your bankruptcy case by submitting your forms. In person filing has been suspended at most courts for the time being and each court has established its own specific filing procedures. This article is intended to provide you with a general overview of how the COVID-19 outbreak impacts your options for filing your bankruptcy forms. To find instructions for your court, visit your court’s website. Please be sure to closely follow the instructions provided by the court on how to file your bankruptcy forms. 

Want To Get Rid of Student Loans? Try These 6 Ideas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

If you feel like you’re drowning in student loan debt and need help managing or getting rid of it, you’re in luck. In this article, we rounded up six potential options to deal with overwhelming student loan debt, including loan forgiveness programs, loan discharge programs, loan settlement options, repayment plans, refinancing options, and bankruptcy.

Is an Income-Contingent Repayment Plan Right for You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

The Income-Contingent Repayment (ICR) Plan is one of four income-driven repayment options for federal student loans. It’s the only one of these four options that parent PLUS borrowers can utilize, which is one of the main upsides, if you have that kind of loan. The ICR has the longest repayment period of any income-driven plan at 25 years. This allows for lower monthly payments for borrowers but, the total amount paid over the loan's lifespan, including interest, is generally higher compared to other plans.

What Is Mortgage Deferral and How Does It Help Homeowners?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

If you’re experiencing a temporary hardship and need a little breathing room on your mortgage payments, you may be able to get a deferral or you can ask your lender for a late fee waiver. A mortgage payment deferral is designed to help you get back on track so that you can keep making your payments on time.

How Long Do I Have To Work To Qualify for Unemployment?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

While all states follow unemployment insurance guidelines set by federal law, each state is free to establish the eligibility requirements for unemployment benefits in their state. Because each state has different laws about the eligibility requirement for unemployment benefits, the amount of time required to qualify will depend on the laws of your state. This article will summarize the amount of time that UI claimants must work to qualify for benefits.

PACER Guide: How To Get Your Court Notices Without an Attorney

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

PACER stands for Public Access to Court Electronic Records. It’s a system to access case information, the docket, and the documents filed in a particular case electronically.

Tips for Choosing a Bankruptcy Attorney

Written by Attorney Andrea Wimmer. 
Updated August 20, 2024

In this article, we'll explore whether you need an attorney to file bankruptcy, how you can make sure you hire the bankruptcy attorney that is right for you, and what kind of resources are available to find a bankruptcy lawyer near you. Learn how to choose the right bankrutpcy lawyer for your situation based on what matters most!

How Do I Find an Affordable Bankruptcy Attorney?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

While you don’t have to hire a lawyer to file a bankruptcy case, you may want legal assistance. If so, there are several resources you can use to find an affordable bankruptcy attorney, including your state bar association’s website, the National Association of Consumer Bankruptcy Attorneys, or a local legal aid organization. Many bankruptcy lawyers also offer a free consultation for prospective clients. You can get free legal advice during the consultation and learn more about the lawyer’s fees and options for paying them.

What Debts Can't You Get Rid of in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Though bankruptcy provides real debt relief for folks who are struggling to make ends meet, not every debt is treated equally under bankruptcy law. Bankruptcy is a great way to get rid of credit card debt, medical bills, and personal and payday loans. But bankruptcy can’t wipe out recent income tax you owe, alimony, child support, or debt incurred from illegal acts (embezzlement, larceny, etc.) Though there’s a common misconception that student loan debt can’t be erased in bankruptcy, you can discharge, or wipe out, your student loan debt in Chapter 7 or Chapter 13 bankruptcy. You must prove that repaying it is causing undue hardship and that you’ve made good faith efforts to pay in the past.

How To Get a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Everyone who wants to file for bankruptcy has to take a credit counseling course before they can do so. While there is a small cost associated with this requirement, it is possible to take the required course for free by requesting a fee waiver.

How To Fight Student Loan Debt in Bankruptcy: Adversary Proceedings Explained

Written by Jonathan Petts. 
Updated August 19, 2024

If you want to get your federal student loan debt discharged as part of your bankruptcy case, you’ll need to file an adversary proceeding (AP). An AP is a legal process used in bankruptcy court to resolve specific issues or disputes that arise during a bankruptcy case. Due to changes in late 2022, APs for federal student loan discharge may look different than other APs. Under the 2022 guidance, discharge proceedings are meant to be simpler and more efficient for bankruptcy filers. If you’re filing an adversary proceeding to discharge federal student loans, you may be able to handle it yourself, without hiring an attorney. This article explains how APs work for bankruptcy filers seeking to discharge student loan debt through bankruptcy.

What Are Florida's Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 14, 2024

If you’ve been a Florida resident for at least two years and you file Chapter 7 bankruptcy, you’ll need to use the state’s exemptions to protect your property. Exemptions are laws that outline how much of different kinds of property are protected when you file a bankruptcy case. Most filers see that all their property is protected. In Florida, the homestead exemption protects all the equity you have in your home, given you meet a few criteria. The motor vehicle exemption is only $1,000, but if you don’t use the homestead exemption, you can apply the $4,000 wildcard exemption to your vehicle (or any other property) as well.

What Are the Texas Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 14, 2024

Texas has more generous bankruptcy exemptions than many other states. It also allows bankruptcy filers to choose whether they want to use the Texas state bankruptcy exemptions or the federal bankruptcy exemptions. In many cases, the state exemptions are more beneficial to bankruptcy filers who own a home or car. But unlike the federal exemptions, Texas doesn’t offer a wildcard exemption to protect personal property of your choosing.

How To File Bankruptcy for Free: A 10-Step Guide

Written by Attorney Andrea Wimmer. 
Updated August 14, 2024

Chapter 7 bankruptcy is a powerful debt relief tool. It helps give a fresh start to those who are drowning in debt and can't see a way out. Though bankruptcy requires a lot of paperwork and documentation, many people with simple cases file successfully on their own without a lawyer. Here are the 10 steps to file your case successfully: 1. Collect your documents 2. Take the required credit counseling course 3. Complete the required bankruptcy forms 4. Get your filing fee ready or fill out a fee waiver request 5. Print your completed bankruptcy forms 6. Go to the court to file your forms 7. Mail required documents to your trustee 8. Take the second required bankruptcy course on financial management 9. Attend the 341 meeting with your trustee 10. Deal with your car loan if you have one

What Are the Ohio Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 7, 2024

Bankruptcy exemptions are rules that allow people who file for bankruptcy to keep certain important items instead of having to sell them to repay their debts. If you’re filing bankruptcy in Ohio, you must use the state’s exemptions to protect your property. Ohio has a homestead exemption of up to $161,375 for individual filers ($322,750 for married couples), a $4,450 motor vehicle exemption, and a $1,475 wildcard exemption. It also has exemptions for personal property and money benefits.

How To Deal With Debt Collectors (When You Can’t Pay)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

If you’re being contacted by debt collectors for a debt you simply can’t repay, it’s important to know your rights to protect yourself from harassment and validate the debt. Once you know the debt is valid, look into your debt relief options. Getting a free consultation with a nonprofit credit counselor can help you understand your options and make a plan to deal with your debt.

Debt Relief: What Are the Options & How Do They Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

Being in debt is stressful, but did you know you have several options to address your debt and find financial security? The most common debt relief options are: 1. Debt management plans (DMPs), which are facilitated by nonprofit credit counselors for a small fee 2. Debt consolidation, which includes DMPs but can also be done by taking out a personal loan or doing a credit card balance transfer to a credit card offering 0% APR for a period of time 3. Debt settlement, which is where you negotiate a discount on your debt in collections 4. Bankruptcy, which is where you file paperwork with a court to get a financial fresh start by discharing credit card debt, medical bills, utility bills, personal loans, and payday loans

Can I File Bankruptcy if I’m in a Debt Relief Program?

Written by Jonathan Petts. 
Updated August 1, 2024

Yes, you can file bankruptcy even if you’re in or were in a debt relief program such as a debt management plan. Once you file your bankruptcy case with the court, you can stop making the payments under the debt relief plan you’re in (if you haven’t already). Once the bankruptcy court grants your discharge, you won’t have to worry about repaying the debts included in your case. Many people can benefit from other debt-relief options before filing bankruptcy, but sometimes bankruptcy is the best choice to meet your financial goals and take control of your debt.

6 Tips for Settling Credit Card Debt Before Going to Court

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

If you’ve been sued for credit card debt, you may still have time to settle your debt before you go to court. Follow these six tips to settle your credit card debt outside of a lawsuit: 1. Remember that the other side is motivated to negotiate. 2. Research the debt and decide what your best option is. 3. Negotiate a settlement. 4. Don’t ignore court papers. 5. Accept that you can’t win them all — have a plan B. 6. Watch out for debt settlement scams.

Pros & Cons of Debt Settlement

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

There are pros and cons to most financial decisions. And debt settlement is no exception. Debt settlement helps you pay off old debt, but it can also hurt your credit score. You need a good credit score to get a credit card, auto loan, mortgage, and sometimes even a job. How are you supposed to get ahead if paying off your debt sets you further behind? In this article, we’ll take a closer look at the pros and cons of debt settlement, so you can decide what’s best for you.

Writing a Debt Settlement Offer Letter

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

It's usually most effective to negotiate a debt settlement over the phone with the debt collector. Once you negotiate a settlement, it's important to get the agreement in writing.

What Are the Colorado Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 2, 2024

Bankruptcy exemptions help bankruptcy filers protect the property they own so they don't have to start over with nothing after their debts are discharged. Colorado has opted out of the federal bankruptcy exemptions, so residents must use the state exemptions instead. Fortunately, Colorado has generous bankruptcy exemptions, which were expanded and revised in 2022, including a $250,000 homestead exemption (for filers under 60) and a $15,000 motor vehicle exemption.

How To Pay Off Credit Card Debt When You Have No Money

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 10, 2024

Common advice for getting out of credit card debt, like tightening your budget and repaying high-interest accounts first, only works if you actually have extra cash to put toward your credit card debt. What are you supposed to do if you don’t have money to put toward your debt? Read this article to learn more about alternative methods for paying down credit card debt, including debt consolidation, debt management programs, and debt settlement.

What Happens if I Don’t Pay an Unsecured Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 21, 2024

Unsecured debt is any debt that isn’t backed by collateral. The most common types of unsecured debt are credit card debt, student loans, personal loans, cash advances, medical debt, retail store accounts, and money borrowed from family or friends. If you default on unsecured debts, the lender can send your account to a collection agency, which can lead to stressful phone calls and notices, a lowered credit score, and more difficulty getting new credit in the future.

What Are the Pros and Cons of Filing Chapter 7 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated May 21, 2024

The main pros to Chapter 7 are that you can receive immediate relief from collection actions (due to the automatic stay) as well as permanent relief from debts if your bankruptcy is discharged. The main cons to Chapter 7 bankruptcy are that most secured debts won’t be erased, you may lose nonexempt property, and your credit score will likely take a temporary hit. Filing for bankruptcy is a very effective way to eliminate debt and get a fresh start. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy.

Can I File for Bankruptcy Online?

Written by Attorney Andrea Wimmer. 
Updated May 21, 2024

Most bankruptcy courts don’t allow individuals who are filing bankruptcy without an attorney to file their bankruptcy forms online. However, filing your bankruptcy case with the court is only one of 10 steps to filing bankruptcy. Many of the other steps can be done online, like accessing the required bankruptcy forms, taking the two required credit counseling and financial education courses, and attending your 341 meeting of creditors (usually).

What Is Chapter 7 Bankruptcy & When Should I File?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 21, 2024

Chapter 7 bankruptcy is a common legal process to clear your debt, but it’s not right for everyone. One good question to ask yourself if you’re considering Chapter 7 bankruptcy: Do I have more debt than I’ll ever be able to pay back, given my current income and property? If the answer is "yes," then Chapter 7 bankruptcy may be the right option.

Can I Fix Negative Information on My Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

This article will explain how to get your credit report and what types of information — positive and negative — will appear on your report. We'll also talk about how to fix your credit report when misinformation appears on your credit history.

How To Pay Off Collections: A Complete Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

Here's how to pay off a debt in collections: Step 1: Know Your Rights Step 2: Respond to the Debt Collector or Collection Agency Step 3: Verify the Debt Step 4: Check the Statute of Limitations in Your State Step 5: Review Your Budget & Make a Payment Strategy Step 6: Get Your Agreement in Writing Step 7: Check Your Credit Report If you're struggling to repay several debts, it may be time to look into Chapter 7 bankruptcy. Filing Chapter 7 stops all collections activities (thanks to the automatic stay) and can erase most types of consumer debt.

How To Get Your Credit Report For Free

Written by Attorney Tina Tran. 
Updated April 19, 2024

Your credit report has a lot of power over your daily life - whether that's when you go to get a new car or are applying for an apartment. In addition to using credit responsibly, keeping an eye on your credit report is one of the most valuable things you can do to make sure your financial house is as stable as possible. There are three ways to request a copy of your free credit report.

What are the alternatives to Chapter 7 bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated April 19, 2024

Bankruptcy is not right for everyone or every situation. If you're not sure whether bankruptcy is right for you, knowing what alternatives are available to give you some relief from your debts is a critical part of making the right decision for you and your family. Let's take a look at some of the most common bankruptcy alternatives.

Debt Consolidation – 5 Things You Should Know

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

Debt consolidation does not erase debt, but it can be helpful in reducing your interest rate on debt you owe.

Your Guide To Rebuilding Credit After Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2024

A bankruptcy does not destroy your credit forever. Instead, following some simple tricks and taking advantage of the various credit repair tools can help you build a stronger credit report and higher credit score after filing for bankruptcy.

What Is Debt and How Should I Handle It?

Written by Attorney Andrea Wimmer. 
Updated April 18, 2024

Debt is a result of borrowing money that has to be paid back over a period of time. Lending institutions, like banks, will lend you money so you can make a purchase. In turn they expect you to pay them back, with interest. Debt can be classified in two broad categories: corporate debt and personal debt, which is also called consumer debt. Corporate debt involves loans between businesses and, generally speaking, has little to no impact on personal debt. This article will explain the most common types of consumer (personal) debt and how to handle it.

Will a Car Repossession Keep You From Getting a Home Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

Repossession is one type of negative event on a credit report that can affect approval for any type of loan, especially a mortgage. While a repossession won’t directly prevent you from getting a mortgage loan, it won’t make it easy. Because everyone’s credit profile is different, it’s hard to predict the impact of a repo on anyone’s home loan application. This article will explain how a repossession can affect your credit history and how it affects getting approved for a mortgage loan.

How a Lawyer Can Help You With Car Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

Having your car taken back by a lender is understandably a terrible experience, and you might be wondering what your options are. Although there are steps you can take on your own, a lawyer knowledgeable about car repossession can help. Most importantly, they can explain the car repossession process and provide you with options specific to your situation. This article will explain how a lawyer can help you, what things lawyers cannot do in the event of a car repossession, and how to find a lawyer.

Car Repossession 101

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

This article will answer some common questions about vehicle repossession, including why it happens, what the steps are in this process, and how you can get your car back, after it’s been repossessed.

California Repossession Law

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. There is no legally required grace period, and the repossession company doesn’t have to give you notice that they are repossessing your car.

What Are the Chapter 7 Bankruptcy Income Limits?

Written by Attorney Andrea Wimmer. 
Updated March 27, 2024

The Chapter 7 income limits were added in 2005 when Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Since Chapter 7 bankruptcy doesn’t involve a repayment plan of any kind, Congress worried about an abuse of the bankruptcy process by filers who could afford to pay their debts. To prevent this, Congress added a credit counseling requirement for anyone filing any type of bankruptcy and set income limits for Chapter 7 relief. The bankruptcy means test calculation determines whether someone can afford to pay a portion of their consumer debts as part of a Chapter 13 bankruptcy, which requires a 3–5 year repayment plan.

What Are Bankruptcy Exemptions?

Written by Attorney Andrea Wimmer. 
Updated March 27, 2024

Filing for bankruptcy relief doesn't mean that you have to give up everything you own. Bankruptcy exemptions are laws that protect your property in a bankruptcy. The majority of Chapter 7 filers don't lose any of their property when they file bankruptcy. This article covers how exemptions protect your property in a Chapter 7 bankruptcy.

Can I Lose My Tax Refund if I Default on Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 25, 2024

Yes, unfortunately your tax refund can be taken (garnished) if you’ve defaulted on your federal student loan. Federal student loans are guaranteed by the U.S. government, and the government has power over tax refunds. Only federal student loan borrowers are subject to tax garnishments. Private student loan holders can have their wages or bank account garnished, but the private lender cannot garnish your tax refund and must take extra steps, such as going through the courts, to order a garnishment. In this article, we explain the student loan tax garnishment process and give you some tips on how to keep your tax refund money safe from garnishment.

What Is Community Property?

Written by Attorney Andrea Wimmer. 
Updated March 25, 2024

There are nine community property states. Alaska also allows married couples to opt into a community property arrangement. Community property states typically consider any property acquired during a marriage to be jointly owned by both spouses, regardless of who made the purchase or what the title says. This is important in bankruptcy because creditors may be able to access community property if one spouse files bankruptcy.

How Do I Add a Creditor After I've Filed My Forms?

Written by Attorney Andrea Wimmer. 
Updated March 25, 2024

What follows is a step by step guide on how to add a creditor after filing bankruptcy. The process for this is often very specific and differs from district to district, but there are some things that are the same across the board. If you're an Upsolve user, you can use the case editor and the self-service amendment feature to update your forms.

Public Service Loan Forgiveness Program: The Ultimate Guide

Written by Attorney Andrea Wimmer. 
Updated March 7, 2024

If you work for a qualified employer, have a federal Direct Loan, and have made 120 qualified payments through an income-driven repayment plan, you may be eligible for the Public Service Loan Forgiveness (PSLF) program. New regulations to the PSLF program put in place by the U.S. Department of Education go into effect July 1, 2023. These regulations help borrowers who have made late payments and/or had periods of forbearance or deferment maintain eligibility for the PSLF program

The Florida Consumer Collection Practices Act

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 9, 2024

In Florida, you have even more protections from unfair collection practices than you would in other states. The Florida Consumer Collection Practices Act (FCCPA) works with the federal Fair Debt Collection Practices Act to help limit phone calls, threatening letters, and other types of unfair actions from collection agencies and other types of debt collectors. It protects Florida consumers and gives them the right to sue debt collectors that have violated the FCCPA. Keep reading to learn more about the Florida Consumer Collection Practices Act and your rights under federal and state consumer protection laws.

Understanding the Brunner Test: Can You Discharge Your Student Loans in Bankruptcy?

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated January 24, 2024

You can discharge your student loans in bankruptcy if you can prove that repaying the loans is causing (and will continue to cause) “undue hardship.” To determine this, bankruptcy courts and judges use what’s called the Brunner test. The test involves establishing whether you: - Would be unable to maintain a minimal standard of living while repaying student loans - Are suffering from circumstances that will make repayment a hardship for the remainder of the student loan term (or permanently) - Have made good faith efforts to repay the student loan(s) The Brunner test is complex. In the past, courts had little guidance to define “undue hardship,” beyond the somewhat vague Brunner test. Late last year, the Department of Justice and Department of Education released new guidelines to clarify this process for federal student loan borrowers.

REPAYE Plan 101

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 21, 2023

The Revised Pay As You Earn Repayment Plan (REPAYE Plan) is an income-driven repayment (IDR) plan for federal student loans. Borrowers who aren’t in default and have an eligible federal student loan can make payments under the REPAYE Plan. It requires you to pay 10% of your discretionary income, and the repayment period is 20-25 years.

Debt Settlement Attorneys: How Can They Help?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

One way you can get debt relief is through debt settlement. A good debt settlement attorney can help you settle your debts. They should also be able to provide advice on other debt-relief options like debt consolidation, debt management, and bankruptcy. A debt settlement lawyer may be able to help you get a better overall settlement deal. Perhaps most importantly, they can help you avoid the stress of communicating with aggressive debt collectors. This article will explain debt settlement and the benefits of hiring a debt settlement attorney.

When Will a Debt Collector Sue for Unpaid Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 18, 2023

Though there's no standard timeline, you may be most at risk of a debt collection lawsuit after six months of not paying your debt. If you stop making timely payments on a debt, your creditor will first attempt to collect it by sending you notices of nonpayment. This may go on for several weeks before collection attempts intensify. Eventually, the creditor may charge off the debt to a third-party collection agency. If the debt collector can’t successfully collect the debt, you may be at risk of a lawsuit.

Creditor Calling After You File Bankruptcy? Do This.

Written by Attorney Andrea Wimmer. 
Updated December 1, 2023

Creditors and debt collector aren't allowed to contact you after you file your bankruptcy case with the court. If a creditor contacts you anyway, it's usually by mistake. Answer the phone, tell them about your pending bankruptcy, and request that they stop calling. If they continue to contact you, let the court know right away, so they can put an end to it immediately and, if appropriate, punish the creditor for their conduct.

California Debt Collection Laws

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 8, 2023

California has two important laws — the Rosenthal Act and the Debt Collection Licensing Act — that protect California residents against original creditor and third-party debt collector harassment and abuse. Californians also benefit from the federal Fair Debt Collection Practices Act, which offers many protections and gives you certain rights. The statute of limitations for most consumer debt is four years in California.

What Are the Pros and Cons of a Lease-To-Own Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2023

A lease-to-own (or rent-to-own) program allows borrowers to make installment payments on a vehicle over a period of time determined in the lease. Once all the car payments have been made, the borrower (the lessee) assumes ownership of the vehicle. These arrangements can particularly benefit borrowers who have bad credit and don’t qualify for traditional leases or car loans. That said, these agreements tend to be expensive, so it’s important to understand the terms of the lease-to-own contract before you enter into one.

Should You Surrender an Unwanted Car in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 27, 2023

If you’re financing a car with a car loan, you’ll need to decide how to deal with it when you file bankruptcy. If the payments are too high or you simply want to get rid of the car and the loan, you can surrender the vehicle back to the lender and have the debt discharged as part of your bankruptcy case. Often, the lender will pick up the car or schedule a mutually agreeable place to meet. If they don’t, you may need to seek legal help.

Removing a Judgment from Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Having a judgment on your credit report will lower your credit score, sometimes significantly. In some instances, though, you can get this negative information removed from your credit history. As with any item on your credit report, you have the right to dispute any judgment on your report that you feel has been made in error or has already been resolved. If a creditor has entered a judgment against you, here’s what you’ll need to do to get it removed from your credit report.

How Much Does Credit Repair Cost?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

While a credit repair service cannot do anything that you can’t do yourself, it may be more convenient for you to enlist their help. Just remember that the cost of credit repair varies depending on the borrower’s circumstances, what type of debt they have, and what blemishes they have on their credit report. Read more to learn how to repair your credit yourself, what the benefits might be of hiring a credit repair service, and how to find a reputable one if that is the route you end up taking.

What Is the Chapter 7 Bankruptcy Timeline?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Filing for Chapter 7 bankruptcy can be an intimidating and daunting process. Especially if it's not something you've ever dealt with before, you may not know where to begin or how it ends. Here is an overview of what to expect as you prepare for your Chapter 7 bankruptcy and what happens after your case has been filed with the bankruptcy court. 

What Is a Bankruptcy Discharge?

Written by Attorney Andrea Wimmer. 
Updated September 29, 2023

A discharge order that tells your creditors they are forever prohibited from asking you to pay your pre-bankruptcy debts ever again.

What Is a Judgment and What Do I Do About It?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

A judgment is a court order. If a creditor obtains a debt-related judgment against you, it allows them to recover the debt. Consumer and personal debt from medical bills, car loans, credit cards, back rent, student loans, IRS debt, child support, and other overdue financial obligations can result in a judgments if you get sued for the debt and the creditor wins the lawsuit. These judgments can be structured as a monetary judgment or a judgment lien against property. Filing for bankruptcy can help you prevent, pause, or even stop, certain judgments, including wage garnishments and bank account levies.

Chapter 7 Bankruptcy Forms Explained

Written by Attorney Andrea Wimmer. 
Updated September 29, 2023

The Chapter 7 forms packet consists of a voluntary petition, schedules, and statements. The term “petition” is often used to describe the set of forms individuals filing for bankruptcy submit to the court. Here's a walk through of all of them.

What’s the Best Student Loan Repayment Plan for Me?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 11, 2023

The best student loan repayment plan is the one that works for you, your goals, and your financial situation. To figure out your best option, do your research and consider the pros and cons of each plan. (Hint: Consider whether the monthly payment will be affordable and also how much interest you’ll pay over the life of the loan.) Then sign up for the plan that makes the most sense for you. The good news is that the federal government provides a lot of flexibility to borrowers, and you can change your repayment plan anytime. There are four types of federal student loan repayment plans. Most borrowers stick with the 10-year Standard Repayment Plan or choose an income-driven repayment plan. Though they are less common, Graduated Repayment Plans or Extended Repayment Plans offer a smart option for some borrowers.

4 Income-Based Repayment Options for Federal Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 11, 2023

There are four different income-driven repayment plans for student loan borrowers that received federal student aid. The IBR Plan, the SAVE Plan ( formerly the REPAYE Plan), the PAYE Plan, and the ICR Plan. They each have different eligibility requirements and potential benefits compared to the standard repayment plan.

Can You Get Student Loan Forgiveness if You Drop Out?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 7, 2023

Most people go to college with hopes of getting a degree and creating a good life for themselves. Unfortunately, unforeseen hardships — often financial — lead many students to drop out before they finish their degree. If that’s you, know that you have options to deal with your student loan debt! You may still qualify for student loan forgiveness programs like Public Service Loan Forgiveness (PSLF), or loan forgiveness after paying on an income-based repayment plan. If you need a temporary repayment pause while you find work or figure out your next steps, you can apply for forbearance or deferment.

10 Options if You Can’t Make Your Student Loan Payments

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 6, 2023

If your student loans are coming due and you can’t afford the payments, don’t panic. This article explores 10 strategies to help: 1. Apply for an income-driven repayment plan. 2. Refinance your loans. 3. Seek financial counseling. 4. Increase your income and/or lower expenses. 5. Consolidate your loans. 6. Set up automatic payments. 7. Request student loan deferment. 8. Apply for student loan forbearance. 9. Negotiate with your lender. 10. File bankruptcy to erase student loans for good.

Why Do I Keep Getting Calls About Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 6, 2023

If you’re a student loan borrower, you’re probably used to receiving phone calls, letters, emails, and text messages about your student loan debt. While some of these are legitimate messages from federal loan servicers, many are scams. If you're getting calls about student loans and you don't have any loans, that's a good sign it's a scam. Below, we go into detail on how to spot/prevent a scam. Bottom line? If it seems too good to be true, it's most likely a scam.

Where Do I Find Out How Much I Owe in Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

If you want to go back to school, finance a house, manage your debt, or file for bankruptcy, you’ll want to find out how much you owe in student loans. It might feel like you need a degree in finance to keep track of your financial aid, but we’re here to help! Below, we detail how to figure out your federal and private student loan balance, how to manage your student loan debt, and what to do if you cannot stay on top of your student loans.

Guide to Extended Repayment Plans & Managing Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

An Extended Repayment Plan is a student loan repayment plan that allows borrowers to lower their monthly payment amount by stretching repayment over 25 years. To qualify, you must have Direct Loans or Federal Family Education Loans (FFEL), and your loan balance must be at least $30,000. You can choose from fixed payments or graduated payments in an Extended Repayment Plan. You will not be eligible for Public Service Loan Forgiveness (PSLF) if you enroll in an extended plan.

Student Loan Forgiveness Programs for Nurses

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

Becoming a nurse takes dedication and lots of education, which means it’s likely you have at least some student loan debt. Luckily there are several specialized student loan forgiveness programs to help nurses erase their student debt. The most popular and well-known forgiveness program is the Public Service Loan Forgiveness Program (PSLF), where borrowers pay an income-based monthly payment for 10 years and then have their remaining debt forgiven. But there are other forgiveness programs as well, including the Federal Perkins Loan program, the Nurse Corps Loan Repayment Program, the National Health Service Corps (NHSC) Program, the NHSC Rural Community Program, the National Institute of Health Program, and more. Below we detail the different student loan forgiveness options as well as the qualifications for each specific program. Take a look!

What Is a Time-Barred Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2023

A time-barred debt is one where the creditor has missed the deadline to legally bring a claim against you in court. Unfortunately, debt collectors may still try to contact you about old debts that are time-barred by the statute of limitations. But there are ways to deal with these debt collectors. Read this article to learn more about how to tell if your debt is covered by a statute of limitations and what to do if you’re contacted by a creditor that is trying to collect a time-barred debt.

Can You Remove Collection Accounts From Your Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2023

If you have a debt sent to collections, it will be recorded on your credit report and hurt your credit score. Sometimes collections accounts are incorrectly reported or reported on old debt. If there are errors regarding collections accounts on your credit report, you have the legal right to dispute them and have them removed. This shouldn't cost you anything. You can also write a goodwill letter to ask the creditor or collection agency to remove the collections account from your report. This isn’t guaranteed to work, but it won’t hurt to ask. If the information about the collections account is correct and current, you can’t have it removed from your credit report. Be aware that so-called credit repair companies that offer to clean up your credit report for a fee may be a scam.

Student Loan Forgiveness for Healthcare Workers: The Ultimate Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 29, 2023

There are many programs designed specifically for healthcare workers to receive student loan forgiveness. Most serve specific types of healthcare workers and have other requirements around the length of time you work in healthcare and where you work. Consider each of these factors as you look at your options. If you’re struggling to pay your loans, you can also consider applying for a loan deferment or forbearance or switching to an income-driven repayment plan to help make your monthly payments more manageable.

What Is the Standard Repayment Plan for Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 29, 2023

Standard repayment plans are available thanks to several different repayment option choices. These plans include extended, graduated, income-contingent, and income-based. All of these options provide borrowers with the ability to lower their monthly payments or extend the term of their loan thereby keeping their payments low.

5 Solid Steps for Negotiating With Debt Collectors

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 25, 2023

If your debt has been turned over to a debt collection agency, negotiating with that debt collector may seem intimidating. But in many cases, negotiating with creditors or lenders isn’t as hard as you may think. To successfully negotiate a debt settlement agreement: - Verify the debt and debt collector - Know your rights - Review your finances and develop a plan - Start negotiating the settlement and be prepared for counteroffers - Get the agreement in writing

Yes, Your Paycheck Can Be Garnished if You Don’t Pay Your Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 23, 2023

If you fall behind on your student loan payments, the lender may garnish your wages. This means that a portion of your paycheck will be withheld by your employer and sent directly to your loan servicer to repay your debt. Wage garnishment can have a significant impact on your finances and make it difficult to meet your basic living expenses. However, you have options available to avoid default and wage garnishment, such as loan consolidation, income-driven repayment plans, and loan rehabilitation. It's important to understand your rights and options when it comes to repaying your student loans to avoid wage garnishment and other negative consequences.

If I Go To Grad School, Can I Defer My Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2023

In many cases, you can defer your undergraduate student loans if you go to grad school. When you defer a loan, you aren’t responsible for making the monthly payments for a period of time. Interest on the loan may continue to accrue though.

The Complete Guide To Disputing Student Loans on Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2023

Some student loan borrowers find errors on their credit report. So, it’s a good idea to get in the habit of checking your credit report from each of the big three credit reporting agencies — Equifax, Experian, and TransUnion — at least once a year. Luckily, you can get your credit report for free, without impacting your credit score. You also have the right to dispute inaccurate information on your credit report and have it removed. Let’s review what to check for and how to deal with inaccuracies.

Navigating Financial Aid During and After Bankruptcy: A Step-by-Step Guide

Written by Attorney Andrea Wimmer. 
Updated August 22, 2023

Filing bankruptcy does not prevent you from getting federal student loans or other types of federal financial aid. So if you filed bankruptcy in the past or you’re currently in a bankruptcy case, you can still get federal student aid. Also, you can file bankruptcy on student loans, and the process for discharging federal student loan debt in bankruptcy got easier at the end of 2022.

Can I Discharge Private Student Loans in Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated August 22, 2023

Filing bankruptcy can help you get rid of private student loans, but they are harder to get rid of than other kinds of debts. To have your private student loans discharged you will need to prove that your loan was a qualified education loan and that paying off the loan would cause you “undue hardship.” You prove undue hardship as part of an adversary proceeding. This is an additional proceeding on top of your bankruptcy case. For private student loans, these proceedings are run a lot like a civil lawsuit. To file bankruptcy on private student loans successfully, many people chose to hire a bankruptcy attorney.

Private Student Loans and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

Defaulting on the payment of your private student loans can negatively affect your credit score and result in other undesirable consequences. One is wage garnishment. A private student loan lender can even levy or take money from your bank account. Thankfully, there are solutions that can help you avoid these challenges and even provide debt relief.

Student Loan Garnishments And Hardship

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

If you default on your student loans, you risk having your wages, taxes, and Social Security benefits garnished. Your credit score will also suffer. To avoid a student loan wage garnishment, or to reduce the amount that will be garnished, you need to take action. You can do this even after you’ve defaulted on your student loan. In this article, we’ll help you learn how to manage student loan wage garnishments, so you can avoid adding to your financial troubles.

Who Can Garnish My Wages?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

Many types of creditors have the right to file a complaint in court for unpaid debt. Wage garnishment laws give creditors the ability to withhold money from your paycheck, but not all creditors are required to go to court before they can garnish your wages. This article will explain what wage garnishment is, who can garnish your wages, and how bankruptcy can help stop wage garnishment.

Does Bankruptcy Affect My Disability Benefits?

Written by Attorney Andrea Wimmer. 
Updated August 15, 2023

Find out whether you can keep your social security disability benefits during your Chapter 7 bankruptcy.

What is Chapter 20 bankruptcy?

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated August 15, 2023

Some people struggling with overwhelming debt find that bankruptcy is the best debt relief solution for their unique situation. Determining which form of bankruptcy to file is largely dependent on the amount and types of debt held, and the financial situation of the individual or married couple. When considering bankruptcy, most people first learn about Chapter 7 and Chapter 13, named for the Bankruptcy Code chapters that govern how they work. But a lesser-known arrangement, Chapter 20 bankruptcy, functions as a hybrid of the two.

What Are Disposable Earnings?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

Did you know that creditors have the right to seek a garnishment order against you if you fail to repay your debt? This article will give you an overview of what income may be garnished under the law and how to avoid and/or stop garnishment actions by filing a Chapter 7 bankruptcy case.

Requirements for Chapter 7 Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated August 11, 2023

Deciding to file Chapter 7 bankruptcy should involve a review of everything that is required to successfully get a bankruptcy discharge after the bankruptcy filing. What follows is an overview of the requirements to file Chapter 7 bankruptcy and the requirements to getting your Chapter 7 discharge.

Bankruptcy Basics: What Is Bankruptcy & How Do I File?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

In a nutshell, a bankruptcy case is a legal course of action that puts your debt behind you so you can get a fresh start. This article will give you a short explainer on bankruptcy basics, including what types of cases you can file, how to file bankruptcy, and what to expect from the bankruptcy process.

What Is Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated August 10, 2023

Bankruptcy is a legal tool to obtain debt relief and get a fresh start. Chapter 7 and Chapter 13 bankruptcy are the most common types. This article explores consumer bankruptcy basics, the different types of bankruptcy, and the bankruptcy process overall.

What Is My Bankruptcy Discharge Date?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

The ultimate goal of bankruptcy is to get a discharge order, which wipes out debts like credit cards and medical bills. Along with your bankruptcy case number, keep your discharge date handy in case you’re contacted about a debt that was discharged.

How Much Debt Do I Need To File for Chapter 7 Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

Bankruptcy laws don't specify a minimum debt requirement to file Chapter 7 bankruptcy. As long as you qualify to file and meet all the requirements, you can file Chapter 7 and have your dischargeable debts wiped away.

Discharge vs. Dismissal: What's the Difference?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

When filing bankruptcy for the first time, many people get confused about the different terms lawyers and courts use. Two words that frequently confuse first-time filers are “dismissed” and “discharged.” This article explains each term, what the differences are, and when lawyers and the court are most likely to use them when referring to your case.

How To Dispute or Reduce Expensive Medical Bills

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

Even if you have health insurance, deductibles, copays, and non-covered services can add up quickly. Without health insurance, medical bills become unmanageable fast. Some people don’t realize you can negotiate medical bills. Also, billing mistakes can lead to overcharges. Here are some tips for dealing with expensive medical bills: - Compare your itemized bill to your insurer’s explanation of benefits - Ensure you were charged for the correct services and dispute errors - If your insurer denies a claim for services that should be covered, appeal the decision - Ask for financial assistance from the provider and explore community resources - Negotiate your medical bills by offering payment - Know your rights around surprise medical bills - Don’t use credit cards to pay medical bills (to avoid mounting interest/fees and consequences to your credit)

How To Stop Collection Calls: A Comprehensive Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

If you have debt you’re struggling to manage, you don’t need the added stress of irritating collection calls. Keep reading to learn how you can stop debt collection calls from interrupting your life.

Does Bankruptcy Clear Judgments?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

When a creditor or debt collector gets a judgment against you, it's dischargeable as long as the original debt was dischargeable. The question becomes a bit more complicated if the creditor gets a judgment lien on your property. Here’s how it works.

Can I File Bankruptcy Even Though I’m Unemployed?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

If you’re unemployed and your only source of income is unemployment benefits, you can still file Chapter 7 bankruptcy. To file Chapter 13 bankruptcy, you need a steady source of income, and unemployment benefits aren’t likely enough to cover the requirements for Chapter 13. While it’s possible and common for people to file Chapter 7 while unemployed, you’ll want to consider the timing of your case.

Can I Leave Debts Out of My Bankruptcy?

Written by Attorney Paige Hooper. 
Updated August 8, 2023

You need to list all your assets and debts when you file your bankruptcy. Leaving debts out of your bankruptcy filing will mess up your income and expense calculations. It can also be grounds for criminal charges for bankruptcy fraud.

What are Priority Unsecured Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

We usually hear debts divided into two categories: secured and unsecured. A debt is secured if the lender has a security interest in some property and can take that property if you don’t pay. But, in bankruptcy, there are other important distinctions. Some unsecured debts get special treatment. In this article, we’ll explain the different types of unsecured debt, and what it means when a debt has priority.

How A Personal Bankruptcy Lawyer Can Help You Erase Debt

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

A personal bankruptcy lawyer can help you erase debts or you may choose to file bankruptcy on your own. Depending on the complexity of your situation and the type of bankruptcy you file, hiring a personal bankruptcy lawyer can be a great investment.

Bankruptcy for Senior Citizens

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

Filing any bankruptcy can be a complicated process but filing bankruptcy as a senior citizen can be especially challenging. This article will discuss when bankruptcy may be right for seniors, the types of bankruptcy and debt relief alternatives to filing for bankruptcy.

What Does Bankruptcy Mean?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

Bankruptcy is one of those words that everyone’s heard but many don’t really know what it means. Especially with so many high profile bankruptcies in the news these days, it can be hard to figure how bankruptcy can actually help a regular consumer. Let’s take a look at what bankruptcy means and how the different types of bankruptcy enable you to take back charge of your finances.

When Should You File for Bankruptcy?

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

Millions of Americans feel overwhelmed by debt, but that doesn’t mean all of them should file bankruptcy. There are multiple paths to debt relief, depending on your unique circumstances. Bankruptcy is only one. However, when other possible solutions, such as debt settlement and debt consolidation fall short, bankruptcy may be the most effective way to discharge debt and get the fresh start you need. Read on for more information about the different types of bankruptcy, and how to determine if filing might be right for you.

Can a Repo Man Enter a Locked Gate?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2023

If you've fallen behind on your car payments, you've probably started getting phone calls from the bank about a repossession. The good news is, the repo man can't legally enter a locked gate or garage without your permission. But, a repo agent may legally enter your yard, driveway, or other private property if nothing is blocking their access. Keep reading to learn more.

Repossession: The Basics

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2023

Repossession is when a lender takes back property that was used as collateral for a loan. If you’re behind on your car loan payments, you could suddenly lose your car, boat, appliances, or furniture without warning through repossession. On top of that, having a repossession on your credit report will hurt your credit score. Read this article to learn more about the repossession process and how you can get back on track.

Is Upsolve real? Is this a legitimate service?

Written by Attorney Andrea Wimmer. 
Updated August 1, 2023

Yes! Upsolve is 100% a legitimate service! We are a small mission-driven team of dedicated individuals, focused on a single goal: Helping low-income Americans struggling with too much debt get a fresh start by filing a Chapter 7 bankruptcy.

Can I File For Bankruptcy After Moving To A New State?

Written by Attorney Andrea Wimmer. 
Updated August 1, 2023

Yes, you can file bankruptcy after moving, but it may get a little more complicated. If you're moving to a new state, or have recently moved, you’ll need to know which bankruptcy property exemptions now apply to you. In this article, we will discuss the timing issues and other factors that may accompany a recent relocation. 

How Can Bankruptcy Help You With Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Filing for bankruptcy will stop foreclosure proceedings temporarily due to the benefits of the automatic stay. A Chapter 13 bankruptcy may allow you to keep your home by allowing you to make up your past-due payments via a 3-5 year repayment plan.

How Does Debt Settlement Affect Your Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Debt settlement allows you to pay off a debt for less than the total you owe, but it can lower your credit score. If you compare the permanent benefits of getting rid of a debt burden against the temporary negative aspects of a lower credit score, you might find that debt settlement is a good option for you. If you’re interested in settling your debt, keep reading to learn how debt settlement affects your credit score and whether debt settlement or a different debt relief option is the best for you.

Your Credit Score Is Not Ruined Forever After a Bankruptcy Filing

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Bankruptcy is a useful debt relief tool. It can give you a fresh start when unpaid debt becomes unmanageable. Sadly, many people attach a stigma to filing bankruptcy and fail to see its advantages and benefits. Instead, they focus on the notion that bankruptcy will forever ruin their credit. But this is just one of the many myths of bankruptcy. It often causes people to put off filing, which only delays bankruptcy’s benefits. While your credit score is affected by bankruptcy in the short term, we’ll discuss how your credit score is not permanently ruined by filing bankruptcy.

Discharging Student Loans in Bankruptcy: Important Legal Terms

Written by Attorney Andrea Wimmer. 
Updated August 1, 2023

One of our goals this year is to publish a comprehensive guide on filing an adversary proceeding as part of a bankruptcy to discharge student loans. It will initially be published as a series of Learn Articles. The following is a guide to important legal terms that come up in adversary proceedings.

The Complete Guide To Refinancing Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

When you refinance your student loans, you take out a new loan and use it to pay off your existing student loans. There are pros and cons to refinancing: The biggest pro is that you may get a lower interest rate or be able to reduce the amount of your monthly payments. Reducing your interest rate means you pay less over the long run. Lowering your payments each month can help you stay on top of your debt if you’re struggling. If you have federal loans, the biggest drawback to refinancing is that you’ll lose certain benefits like access to student loan forgiveness and economic hardship programs. Regardless of the type of loans you have, you’ll need a good credit score (or a co-signer with a good score) to get approved for a student loan refinance and get a good interest rate.

Student Loan Rehabilitation: How To Get Out of Default

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

Student loan rehabilitation is one way to get your federal student loans out of default status. If you’re currently trying to get student loan relief but aren’t eligible for any programs because you’re in default, student loan rehabilitation may be exactly what you need for your fresh start. To get your student loans rehabilitated and out of default, you need to contact your loan servicer, create a payment plan, complete the required paperwork, and make a certain number of monthly payments.

Should I File Bankruptcy? What Are My Options?

Written by Attorney Andrea Wimmer. 
Updated July 28, 2023

Filing for bankruptcy is a big decision. It’s important to understand what you stand to gain and lose by filing either type of bankruptcy.

Dealing With Tax Debt In and Out Of Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated July 28, 2023

While bankruptcy isn’t always the best solution, discharging an old tax debt through Chapter 7 bankruptcy or paying it off through a Chapter 13 bankruptcy is possible.

Bankruptcy Case Dismissals & How To Avoid Them

Written by Attorney Andrea Wimmer. 
Updated July 28, 2023

Many worry that their case won’t be accepted if they file bankruptcy without the help of a bankruptcy lawyer. Even though it’s scary to think that this may happen, it doesn’t really work that way. You are allowed to file bankruptcy without a lawyer. And, as long as you follow the bankruptcy court’s instructions and complete all required steps, the risk of having your case dismissed is actually pretty low.

IRS Wage Garnishment Procedures

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

If you owe the IRS unpaid taxes, they might collect on the debt by putting a garnish on your wages and collecting their money directly from your paycheck. Learn about the rules they must follow when garnishing wages, including how much of your income is exempt from garnishment and how much notice they are required to give you. Also, find out what you can do to stop a wage garnishment that's already in place.

What is Unsecured Debt?

Written by Attorney Andrea Wimmer. 
Updated July 28, 2023

Unsecured debt is not tied to any property (collateral) and includes credit cards and medical debt. Chapter 7 and Chapter 13 cases eliminate most unsecured debts.

Foreclosures & Eviction Protections Under The CARES Act

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

As Americans struggle to cope with the financial uncertainty caused by the Covid-19 pandemic, the United States Congress has passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Among other things, the CARES Act protects borrowers of federally backed mortgage loans from foreclosure. This article will discuss the foreclosure protections, moratorium on evictions, and other mortgage relief implemented by the CARES Act.

What To Do if the Trustee Says You Owe Money to the Estate

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated July 28, 2023

If you own property that's not protected, or not fully protected, by exemptions, you may owe money to your bankruptcy estate. You can either pay the money into the estate and keep the property or asset, or you can surrender the property, keep the exempted amount, and not have to pay into the estate.

Bankruptcy and the Homestead Exemption

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 27, 2023

Bankruptcy exemptions play an important role in Chapter 7 cases, and the homestead exemption may be the most important of all. It’s the homestead exemption that makes it possible for many people to wipe out unsecured debt in Chapter 7 bankruptcy without losing their homes. In this article, you’ll learn how the homestead exemption may protect your house in bankruptcy. We’ll also touch on some of the limitations of the homestead exemption. And, we’ll discuss alternatives for people who aren’t fully protected by their state’s exemptions.

Can Attorney Fees Be Included in Bankruptcy?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 27, 2023

If you owe attorney fees when you go to file your bankruptcy case, most will be treated as unsecured debt and discharged as part of your bankruptcy case. There are some exceptions to this, especially for attorney fees related to family court matters. Keep reading to learn more about how attorney fees are treated in bankruptcy.

Chapter 7 vs. Chapter 13 Bankruptcy: What’s the Difference?

Written by Attorney Andrea Wimmer. 
Updated July 27, 2023

Chapter 7 and Chapter 13 bankruptcy are the two most common types of personal bankruptcy filings. Chapter 7 bankruptcy can wipe out unsecured debts like credit card debt and medical bills in just 3-4 months. Though the filing can stay on your credit report for 10 years. You must pass a means test and meet certain criteria to qualify for Chapter 7. Chapter 13 takes longer — usually 3-5 years — because filers are on a repayment plan. After the plan is up, any remaining unsecured debt is discharged. Chapter 7 can stay on your credit report for up to 7 years. Some filers choose Chapter 13 because they don’t qualify for Chapter 7 or because they own certain assets they want to protect. Even though there are differences between Chapter 7 and Chapter 13 bankruptcy, each one grants the filer a fresh financial start in the form of a bankruptcy discharge — a court order that relieves you of your debt and bans creditors from trying to collect from you on this debt.

Already Filed Bankruptcy Then Sued By a Creditor? Do This

Written by Attorney Andrea Wimmer. 
Updated July 27, 2023

If you're being sued by a creditor for an unpaid debt but you're in the process of filing bankruptcy, you may be wondering if you need to show up to your court date for the creditor's lawsuit against you. It will depend on when your court date is and where you're at in the process of filing your bankruptcy case.  If you haven't filed your bankruptcy case by the court date for your creditor's lawsuit against you, make sure you attend the hearing. Otherwise, the judge can potentially grant a default judgment against you simply because you didn’t show up. If you have filed your bankruptcy case, it's still a good idea to show up to the hearing to let the judge know. Or you can contact the court clerk prior to the court date to let them know and see what they advise.

What Is Secured Debt?

Written by Attorney Andrea Wimmer. 
Updated July 26, 2023

Secured debt is connected to a piece of property that the bank can take back if there's a payment default. The most common type of secured debt are car loans.

What Are the Chapter 7 Bankruptcy Rules?

Written by Attorney Andrea Wimmer. 
Updated July 26, 2023

The Chapter 7 bankruptcy rules are not as difficult to understand as you might believe, but there’s quite a few of them. Keep reading to get a basic understanding of the Chapter 7 bankruptcy rules and ensure a successful Chapter 7 bankruptcy filing.

Cramdown in Chapter 13 Bankruptcy

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2023

In personal bankruptcy cases, a cramdown occurs when the filer pays off a car loan through a Chapter 13 bankruptcy repayment plan by paying only how much the car is actually worth, not how much is still owing on the loan. Upon successful completion of the repayment plan, the filer gets title to the vehicle free and clear.

What to do if your income increases after filing Chapter 7 bankruptcy

Written by Attorney Andrea Wimmer. 
Updated July 26, 2023

The first thing you should do is give yourself a high five. Whether you found a new job or got a raise in your old job, getting paid more this week than last week is always a good thing! If you’re a few months into your case, then you don’t have to do anything. If it changed shortly after your case was filed, wait for the creditors’ meeting and let the trustee know during the meeting that your income has changed. Depending on how much it changed, they may say don’t worry about it or request that you file updated forms. 

Can I Keep Money I Receive From a Lawsuit When I File Bankruptcy?

Written by Curtis Lee, JD. 
Updated July 26, 2023

If you bring a lawsuit or have the right to bring one against someone for a personal injury case, that's considered an asset during your bankruptcy case. Just like other assets, this may be protected by a bankruptcy exemption. If the potential personal injury reward isn't protected or fully protected by an exemption, the nonexempt portion of the award can be used to pay off your creditors as part of your bankruptcy case.

Should I Take A Bailout Loan To Stop Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

A foreclosure bailout loan might look like the perfect solution at a glance, but it has downsides, too. Bailout loans, also known as hard money loans, tend to have high interest rates. They may also require the borrower to refinance again within a few years. If you’re considering a bailout loan to stop foreclosure, make sure that you understand your options and their potential impacts on you, your finances, and your family.

3 Things Everyone Should Know About Small Claims Court and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

Debt collection lawsuits for small amounts are usually brought in a special court, called the small claims court. The procedures are simple and costs kept to a minimum. Even though this is a simplified process, a judgment from a small claims court carries the same weight as a judgment from any other court.

How Does Bankruptcy Affect a Car Lease?

Written by Attorney Paige Hooper. 
Updated July 20, 2023

A car lease isn’t the same as a car loan. A lease is a contract to use a car for a period of time. It’s not considered a debt when you file bankruptcy. If you have a car lease and file Chapter 7, you can continue with the lease if your payments are current. Otherwise, you can give the car back and walk away from the lease. If you file Chapter 13, you’ll have more options for keeping the car, which we’ll explore in this article.

Converting a Chapter 13 to a Chapter 7 Bankruptcy

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 20, 2023

Life happens to everyone, including those in a Chapter 13 repayment plan. Thankfully, the Bankruptcy Code provides a mechanism for changing (converting) your case from Chapter 13 to Chapter 7 bankruptcy if needed. Let’s take a look at what that entails exactly and what you should know about this affects your property and your debts.

Can I Get Rid of my Medical Bills in Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated July 20, 2023

Medical debt and loss of income for medical reasons plays a role in more than 60% of personal bankruptcy filings. If you’re struggling to make ends meet while dealing with medical bills, bankruptcy can provide relief.

Can Bankruptcy Stop Foreclosure?

Written by Attorney Andrea Wimmer. 
Updated July 20, 2023

There are a number of different ways that you can prevent foreclosure, even if you ultimately need to give up your home. Don’t be afraid to explore your options, including Chapter 7 and Chapter 13 bankruptcy and find what’s right for your family and personal financial situation.

What Personal Property Can Be Seized After a Judgment?

Written by Attorney Andrea Wimmer. 
Updated July 19, 2023

If a creditor sues you to collect on an unpaid debt and wins, they'll get a court judgment against you. This court order allows them to collect on the debt by seizing your real or personal property (or putting a lien on it), garnishing your wages, or levying your bank account. Personal property includes everything from household goods to vehicles. Real property includes things like your home or land. Though creditors can legally seize real and personal property that isn’t covered by an exemption, this isn't common because it can be costly for creditors. It's more common for creditors to use wage garnishment or a bank account levy.

What if I Can’t Afford To Pay a Judgment Against Me?

Written by Attorney Andrea Wimmer. 
Updated July 17, 2023

If a creditor or debt collector has sued you and gotten a court judgement against you, you have three main options: 1. You can pay the debt. You may be able to negotiate a voluntary payment plan with the debt collector. 2. You can file to have the judgment vacated or removed. 3. You can file bankruptcy to discharge the debt and stop all collection efforts, including those related to a court judgment.

How to File Chapter 7 with No Money?

Written by Attorney Andrea Wimmer. 
Updated July 12, 2023

Even though there are bankruptcy fees in the form of court fees, credit counseling course fees, and attorneys fee, eligible filers can file their Chapter 7 bankruptcy for free.

Can You File Bankruptcy And Keep Your House?

Written by Attorney Andrea Wimmer. 
Updated July 12, 2023

Bankruptcy law allows you to keep your home as long as certain conditions are met. Whether you can file bankruptcy and keep your house depends on your unique circumstances. Here’s what you need to know.

What Debt Collectors Can, and Can’t, Do To Collect a Debt

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 7, 2023

The debt collection process can be confusing. You probably have many questions about what a debt collector can and can’t do. Luckily, there are debt collection laws designed to protect you from deceptive practices and misleading representations. This article will outline what debt collectors can and can’t do and teach you how to protect your rights.

Are Credit Repair Companies a Bad Idea?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 7, 2023

If a credit card repair company is telling you that your debt can be wiped out and you can start over with a new identity, stop listening. These types of credit repair company scams steal Social Security numbers and account information. That doesn’t mean the credit repair industry doesn’t have any legitimate credit repair agencies. They’re just hard to find.

Debt Collection Basics: Can I Pay Off Debts in Collection?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 5, 2023

Learn how to tell if your debt is in collection, how you can use a payment plan to pay off your past-due debt and what steps you can take to stop stressful collection account activity.

Can You Pay Student Loans With a Credit Card?

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated July 5, 2023

You can’t make a federal student loan payment with a credit card. You may be able to use a third-party payment service, but most of these services have high fees. There are also some risks involved in using your credit card to pay your student loans. For example, credit cards often have much higher interest rates than federal student loans, so paying off your loans using a credit card can lead to spiraling debt as interest accrues on your card. This can negatively affect your credit score and put you in a difficult position with your finances.

Want To Pay Off Student Loan Debt? Ask These 9 Questions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 7, 2023

There are many ways to strategize to pay off student loan debt. You can develop a personalized strategy by exploring: - Your current financial situation - Your student loan (and how it compares to other debt you may have) - Your financial goals - Your risk tolerance and debt-repayment timeline - The type of student loans you have and their repayment options - Streamlining repayment through loan consolidation or refinancing

What Bills Should I Keep Paying After Filing Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated June 6, 2023

One of the biggest benefits of filing bankruptcy is the automatic stay that goes into effect as soon as the case is filed. It means that your creditors (those you owe a debt) are not allowed to keep asking you for money. But, just because you don’t have to pay your debts after filing bankruptcy, you’ll still have some expenses to pay going forward. This article will explore what kind of bills a person filing Chapter 7 bankruptcy has to pay even after their case is filed.

5 Important Bankruptcy Questions (and Answers!)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 6, 2023

If you’re thinking about filing bankruptcy, you have questions. We’ll answer the most common bankruptcy questions for you right here so you can decide whether you want to take the next step in the bankruptcy process or explore other debt-relief options that might interest you.

Consolidating Federal Student Loans: A Comprehensive Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 5, 2023

If you’re like most students, you’ll take out multiple student loans throughout your college career. When repayment begins, you may find yourself juggling multiple loan payments, due dates, and interest rates each month. Consolidating your student loans can streamline the repayment process, and it may even save you money. The U.S. Department of Education currently offers one kind of consolidation loan called a Federal Direct Consolidation Loan. Here’s what you need to know to make informed decisions about consolidation.

Paying Off Debt vs. Investing: What’s Better?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

You may feel like you’re getting conflicting messages about debt and savings. On the one hand, you know it’s not good to carry too much debt. It’s expensive, can lower your credit score, and creates some risk. At the same time, you’re advised to have savings to help weather the unexpected. And, you’re warned about your retirement investments falling short and leaving you in a bad situation as you grow older. But, your budget will only stretch so far. There’s no one-size-fits-all answer. The right choice depends on your circumstances and your personal financial goals. This overview will help you make the right decision for your situation.

Cancellation Of Debt & Related Pitfalls

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

If you have debts that you are unable to pay, bankruptcy is not your only option. You might be able to negotiate with your creditors to have some of your debt canceled. Learn what debt cancellation is, how it works, and forms of debt cancellation have to be declared as taxable income and which. Also find out which method of debt cancellation might work best for your situation.

Can I Buy or Refinance a Car During Chapter 7 Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated May 15, 2023

Yes, you can buy a new (to you) car while your Chapter 7 bankruptcy case is pending. If possible, wait until your discharge has been granted as that will give you more negotiating power with the bank.

What You Need To Know About Wrongful Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

If you’ve defaulted on your mortgage, your lender has the right to start the foreclosure process. Foreclosures that happen outside the court are called nonjudicial foreclosures. But even with nonjudicial foreclosures, you still have legal rights and defenses against the foreclosure proceeding.

How To Buy a Car After Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

Repossession might feel like an insurmountable obstacle to getting another car. It’s important to realize that you can repair bad credit. Working to reach a healthy financial situation after a repossession means that even this unpleasant experience will move into the past.

Bad Credit: The Problem & Solutions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

It is possible to increase your credit score if you are proactive. This article will look at what’s considered a poor credit score, the consequences of having bad credit, and strategies to improve your credit.

Which states allow me to use the federal bankruptcy exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

Find out which states allow filers to choose between their state's exemptions and the federal bankruptcy exemptions.

What Happens If The Bank Takes My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

If you have fallen behind on your car loan, you may be wondering what happens next. How will you get to work with no car? Is it possible to get it back after it's been repossessed? In this article, you will learn how repossession works, what you can do after it has occurred, and how to avoid it in the first place.

Florida Repossession Law

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 10, 2023

If you’re in Florida and your car has been repossessed, you still have the opportunity to redeem your car or reaffirm your loan. You can also file bankruptcy to help you keep your car, or to help you get rid of future collection activity on a deficiency balance.

Using the National Student Loan Data System (NSLDS) To Get Your Federal Student Loan Information

Written by Attorney Andrea Wimmer. 
Updated May 8, 2023

You can find all of the info you need to know for your federal student loans in the National Student Loan Data System. This central database contains all of the information you will need to understand your federal student loans including: your loan balance, due dates, eligibility for new loans, and more. If you need to download an NSLDS report, log in to your account on studentaid.gov using your FSA ID and password. Once you're in your account, hover over your name on the top right of the screen and select "My Aid." From there, you can select "Download My Aid Data." Your data will be downloaded as a .txt file.

Can You Arrange a Settlement With Student Loan Lenders?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 20, 2023

If your student loan is in default and you want to clear up your debt, you might be able to enter into a student loan settlement agreement. When you settle a debt, you negotiate with the lender to pay less than you owe in one lump sum. To negotiate a settlement agreement, your account must be in default. There are advantages and disadvantages to using this debt relief option. For example, you may end up paying less than the total amount you owe on your loan, but you must have a large lump sum available to complete your settlement. The settlement rules are different for federal student loans and private lender loans, so you’ll first need to determine what type(s) of student loan you have before weighing your options.

Using the National Student Loan Data System (NSLDS) To Get Your Federal Student Loan Information

Written by Attorney Andrea Wimmer. 
Updated April 20, 2023

You can find all of the info you need to know for your federal student loans in the National Student Loan Data System. This central database contains all of the information you will need to understand your federal student loans including: your loan balance, due dates, eligibility for new loans, and more. If you need to download an NSLDS report, log in to your account on studentaid.gov using your FSA ID and password. Once you're in your account, hover over your name on the top right of the screen and select "My Aid." From there, you can select "Download My Aid Data." Your data will be downloaded as a .txt file.

How Often Can You File Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated April 3, 2023

There is no limit to how many times you can file a bankruptcy case in your lifetime. The frequency of your filings depends on how long it's been since your last bankruptcy case as well as the type of bankruptcy you previously filed — Chapter 7, Chapter 11, and Chapter 13 bankruptcy are the most common types of consumer bankruptcies.

How Often Can You File Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated April 3, 2023

There is no limit to how many times you can file a bankruptcy case in your lifetime. The frequency of your filings depends on how long it's been since your last bankruptcy case as well as the type of bankruptcy you previously filed — Chapter 7, Chapter 11, and Chapter 13 bankruptcy are the most common types of consumer bankruptcies.

Is 600 a Good or Bad Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 27, 2023

A credit score of 600 is below average. If your credit score is 600 or less, it may be difficult to get a new loan at an affordable interest rate. Most lenders who see borrowers with a credit score of 600 or lower will only offer high-interest loans with strict terms. If the borrower fails to pay each month, then the lender can send the account to collections. Thankfully, you can do several things to improve your credit score. We’ll cover some strategies in this article.

What Is Equity?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated October 13, 2022

Your equity in a house or car (the dollar value that belongs to you, not the lender) is the current value of the property minus the amount you still owe on it. When you file bankruptcy, exemptions protect the equity you have in certain assets.

What should I do if I don't perfectly remember my expenses?

Written by Attorney Andrea Wimmer. 
Updated October 13, 2022

Do your best to estimate them and don't get too sidetracked by trying to be perfect. It can be tough to know exactly how much you’re spending on certain expenses. This is especially true if you have been cutting back on your regular living expenses while trying to stay afloat. This article explains some ways you can use to calculate your expenses for your bankruptcy forms.

Can Social Security Overpayments be Discharged in Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated September 13, 2022

If you owe money to the government due to an overpayment of social security benefits, you may be concerned about whether you’ll be able to eliminate this debt as part of a Chapter 7 bankruptcy. Keep reading to learn how to make sure you are able to discharge your debt for this overpayment.

How bankruptcy impacts your second COVID relief payment

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 8, 2022

On December 27, 2020, President Trump signed the Consolidated Appropriations Act of 2021. The act includes a second COVID-19 relief payment to eligible individuals.

Should I File Bankruptcy for My Business?

Written by Curtis Lee, JD. 
Updated June 1, 2022

If you're struggling to make ends meet for your business you can dissolve your business under state law or file bankruptcy. The type of bankruptcy you'll file depends largely on the business's structure. You can file personal bankruptcy — Chapter 7 or Chapter 13 —bankruptcy if you're a sole proprietor. If your business is an LLC, corporation, or other legal entity, you may want to file Chapter 11 instead. It's often good to get legal help when filing a business bankruptcy.

Tax Refunds and Bankruptcy Exemptions

Written by Attorney Andrea Wimmer. 
Updated April 19, 2022

Tax refunds can be used to pay creditors if they're not protected by an exemption. This is an overview of states with no or little protection for tax refunds.

How can I surrender my car in Chapter 7 bankruptcy?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated April 12, 2022

"Surrendering" your car means that you give it back to the lender that gave you the loan to purchase it. If you surrender your car as part of your Chapter 7 bankruptcy, any debt that you owe on it will be eliminated when you receive your bankruptcy discharge.

6 Things You Should Know About the Statement of Intentions

Written by Attorney Andrea Wimmer. 
Updated April 5, 2022

If you’re planning on filing a Chapter 7 bankruptcy and have a car loan or other secured debt, here are 6 things you should know about the Statement of Intentions.

What Are the Wisconsin Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

You will find a list of available exemptions in the federal Bankruptcy Code, or you may instead decide to use exemptions available under Wisconsin law. However, keep in mind that each state has the option of “opting out” of this scheme. Bankruptcy filers in an opt-out state may only use their state exemptions and not use the federal exemptions. As Wisconsin hasn’t opted out of the choice between state exemptions and federal exemptions, Wisconsinites who file bankruptcy can choose between federal bankruptcy exemptions or state exemptions. Actually, you will be happy to know that Wisconsin is one of the few US states that allows filers this choice, and this is a real advantage if you are filing Chapter 7 in the state. However, keep in mind that you are not allowed to cherry-pick exemptions from both lists; you can select only one set of exemptions. If you’re using Wisconsin law to exempt your property, you can also use the federal nonbankruptcy exemptions, if applicable. This also means that if you’re filing for bankruptcy in the state, you should review both sets of exemptions and then choose what scheme can best protect your property. Hiring an attorney can be helpful in this respect.

What Are the California Bankruptcy Exemptions?

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

If you're a debtor filing for bankruptcy and you live in California, you'll be using the California bankruptcy exemptions to keep your property.

Will a Foreclosure Ruin My Credit Forever?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 31, 2022

A foreclosure will stay on your credit report for seven years, but your creditworthiness will not be negative forever. You can take steps to repair your credit after foreclosure and start building a positive credit history. Read more to learn how you can overcome a foreclosure, rebuild your credit history, and what steps you can take to buy a house after foreclosure.

Federal Bankruptcy Exemptions Explained

Written by Attorney Andrea Wimmer. 
Updated March 31, 2022

The laws that protect your property from creditors are called exemptions. The exemptions listed in the Bankruptcy Code are called federal bankruptcy exemptions.

I Had My 341 Meeting. Now What?

Written by Attorney Andrea Wimmer. 
Updated March 30, 2022

The court will grant your bankruptcy discharge 60 - 90 days after the meeting. If the trustee filed a no-asset report, the case will be closed pretty soon after the discharge is entered. Until your case is closed, make sure to keep an eye on any mail from the court or the trustee so you don’t miss anything important.

Does The Government Pay for Bankruptcies?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 30, 2022

People filing for bankruptcy are struggling to pay their debts. Find out what type of costs to expect for Chapter 7 bankruptcy and who pays for it if you can’t.

Trustee's Report of No Distribution & What It Means For Your Case

Written by Attorney Andrea Wimmer. 
Updated March 29, 2022

The Trustee's Report of No Distribution, or NDR, lets the court and all interested parties know that no money will be paid to creditors.

How to Amend your Statement of Intentions

Written by Attorney Andrea Wimmer. 
Updated March 29, 2022

The Statement of Intentions is the bankruptcy form that you filed with the court to let your creditors know what you want to do with your secured debts, most often a car loan. If you have changed your mind and need to amend (update) your Statement of Intentions, follow the steps outlined in this article.

California Bankruptcy Exemptions Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 21, 2022

Some states permit filers to choose between a set of federal bankruptcy exemptions and the state exemption system. However, California isn’t one of them. California is called an “opt-out” state, which means federal bankruptcy exemptions are not available to filers in the state. Californians filing bankruptcy have to use California exemption law.

What Does It Mean That a Bankruptcy Is Public Record?

Written by Lawyer John Coble, Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 21, 2022

Bankruptcy cases are processed through the U.S. Bankruptcy Court, which is part of the federal court system. Like all other court documents, your bankruptcy petition becomes a public record. This means any member of the public can access the information on your bankruptcy forms either through PACER or by going to the courthouse.

Should I File Bankruptcy Before Getting Married?

Written by Attorney Andrea Wimmer. 
Updated March 9, 2022

If you’re planning to get married and you also need to deal with debt, you’re probably wondering when to file bankruptcy and how it will affect your spouse. There are pros and cons to filing for bankruptcy before marriage as well as filing after marriage. If you want to start your marriage with a clean financial slate and you qualify for Chapter 7, that’s a relatively quick way to achieve that goal. If you already have joint debts with your spouse-to-be, you may want to file after you get married to take advantage of more generous exemptions.

Will Bankruptcy Affect My Citizenship Application?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 24, 2022

Whether you’re a U.S. citizen or not, you’re allowed to file bankruptcy if you reside in the U.S. Bankruptcy law doesn’t require filers to be U.S. citizens. If you aren’t a citizen, you may worry that filing bankruptcy can lead to deportation or having your immigration application denied. Luckily, that’s not the case. Neither the U.S. Citizenship and Immigration Services (USCIS) nor the Department of Homeland Security (DHS) consider bankruptcy cases when reviewing residency applications.

What Happens If I Declare Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated February 3, 2022

Overview of what to expect after declaring bankruptcy, including types of bankruptcy, the immediate debt relief benefits of filing bankruptcy, and important information about the Chapter 7 bankruptcy process.

Can My Spouse Be Pursued for My Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 27, 2022

A judgment is a court order declaring that you do owe the debt and must repay it. How all of this can affect your spouse, if you are married, largely depends on whether you reside in a common law or community property state and the judgment-debtor laws of your state.

How Long Can I Stay in My Home After a Foreclosure Sale?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

In this article, we’ll give you an overview of foreclosure, discuss the before and after of a foreclosure sale, and give you valuable information about foreclosure timelines so you can get a better idea of how long you can stay in your home while planning your eventual move.

Eviction 101

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

Like most property laws, the relationship between landlords and tenants is regulated by state law. Because eviction laws vary from state to state, there is no uniform law of eviction. These state eviction laws lay out rules that landlords must follow in order to evict tenants. This article will explain some basic facts about eviction.

How a Short Sale Could Affect Your Credit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 13, 2021

Short sales allow homeowners to avoid foreclosure and escape a situation where they owe more than their homes are worth, but a short sale will still generally have a negative impact on your credit score. This article will explain what a short sale is, how it can affect your credit, and how to repair your credit after a short sale.

U.S. Bankruptcy by the Numbers: Who Is Filing the Most Bankruptcies?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 12, 2021

Individuals, businesses, and even cities file for bankruptcy. Both wealthy and financially strapped Americans may need to file for bankruptcy due to a variety of circumstances. Even rich, powerful people take advantage of this opportunity for debt relief.

What Is A Charge Off On A Car Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 11, 2021

A charge-off on a car loan is when the creditor declares the debt uncollectible. The creditor can still collect the charged-off debt and you still owe it.

6 Steps To Stop Wage Garnishment After Filing Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated December 8, 2021

Wage garnishments have to stop immediately once your case is filed but you should allow time for the creditor to provide your employer with the necessary paperwork to actually cause the stop. If your case is filed the day before your next payday, chances are you're paycheck will still be garnished, as the payroll has already been processed. However, you'll get that money back.

What Is the Process of a Nonjudicial Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 3, 2021

Most states allow nonjudicial foreclosures, which permit states to proceed with foreclosure sales without first obtaining a court order. Because nonjudicial foreclosures are much faster and less complex, homeowners don’t have as much time to defend against these actions.

Loans For Unemployed: Options & Processes

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

This article will discuss one of the ways that you can deal with the loss of a job—an emergency loan. Although you may think your employment status directly affects your ability to get a personal loan, especially in an emergency, that isn’t always true. In this article, we’ll talk about your options and the procedures for getting an emergency loan when you are unemployed.

Information on My Credit Report Was Removed. Now It’s Back!

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

Disputing and removing incorrect information on your credit report can be tedious and time-consuming. So having one of these items reappear on your credit report can be frustrating. This information may have negatively affected your credit and even cost you money. So now that you’ve had this “blast from the past” reappear, what do you do? This article will help you understand when items can be legitimately reinserted onto your credit history and credit profile. It will also help explain how to do credit repair and remove illegitimate items once again from your credit report.

Staying in Your Home During and After Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

As long as the title to a house that hasn't been condemned remains in the homeowner's name, they may continue to live in that house. After a foreclosure has been finalized, if the former owner doesn't redeem their house, they'll have a limited amount of time to live there before they must move or risk formal eviction.

How Does a Tax Lien Foreclosure Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

Depending on where the property is located, past-due property taxes may lead to a tax lien foreclosure or a tax deed sale. The tax lien foreclosure process includes some additional protection for property owners. But, the bottom line is the same. If your property taxes are delinquent, you could lose your property to a tax lien foreclosure or tax deed sale—even if your mortgage has been paid in full.

What Happens to the Co-Signer of a Car Loan in Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated November 28, 2021

If you have bought a car and your loan has a co-signer, you may wonder what will happen to the co-signer when you file bankruptcy. This article explains your options and how they'll affect your co-signer.

How Will Bankruptcy Affect My Credit?

Written by Attorney Andrea Wimmer. 
Updated November 28, 2021

Filing bankruptcy does not ruin your credit forever! If you need debt relief but are worried about how a bankruptcy affects your credit rating, this article is for you.

How Will Bankruptcy Affect My Credit?

Written by Attorney Andrea Wimmer. 
Updated November 28, 2021

Filing bankruptcy does not ruin your credit forever! If you need debt relief but are worried about how a bankruptcy affects your credit rating, this article is for you.

Can I Buy a Car After Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated November 26, 2021

Yes, but it makes sense to wait as long as you can after receiving your discharge. You'll need to be careful and make certain that you’re getting a good deal.

Relief for Homeowners Facing Foreclosure in the COVID-19 Era

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 26, 2021

In response to the COVID-19 pandemic, both federal and state foreclosure moratoriums have aided homeowners who are at risk of foreclosure. It is important to remain informed about COVID-era protections for homeowners as they evolve.

Should I Inform My Tax Preparer About My Bankruptcy Case?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

Yes, you should tell your tax preparer about your bankruptcy filing. Your bankruptcy trustee may need to give you special instructions that your tax prepare will need to follow if you're getting a refund check. You tax preparer will need to know about this before they file your return.

The Government Lawsuit Against Ocwen

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 15, 2021

Even after the multibillion-dollar settlement, Ocwen has continued to violate the law when servicing mortgage loans. As a result, some borrowers may still have reasons to make claims against Ocwen for unlawful practices related to their mortgage loans, including illegal foreclosures.

What Is a Bankruptcy Trustee?

Written by Attorney Andrea Wimmer. 
Updated November 13, 2021

The bankruptcy trustee doesn’t represent the filer and they don’t represent any specific creditor. They review the filer's forms and conduct the creditors' meeting.

Your Rights After Your Lender Transfers Your Home Loan

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

If your lender sells or transfers your home loan, you have the right to be notified. This transfer won't change the terms of your mortgage but if you are unsure of who your new mortgage holder or servicer is, you could suffer negative consequences.

4 Tips To Get Out of a Car Lease

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

Leasing a car can seem like a great idea at first. But over time, leasing a vehicle may become more of a burden. Unfortunately, one of the biggest drawbacks of leasing a car is how difficult and expensive it can be to get out of your lease early, regardless of your financial status. Thankfully, there are a few ways that you may be able to unburden yourself from a lease you no longer want to be in. You may be able to transfer the lease, buy the leased car and sell it to someone else, trade in your car, and/or lower or suspend your payments. This article will explore each of these options in detail.

The 7 Steps of a Nonjudicial Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

You may be familiar with the term “foreclosure”, but you might not know what nonjudicial foreclosure really means. Don’t worry - this guide will help you understand your rights and options.

Mortgage Reinstatement: What Is It and How Does It Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 8, 2021

If you’re behind on your mortgage loan payments and are now getting back on your feet, a mortgage reinstatement can help you bring your mortgage current. If you reinstate your loan and start making regular payments again, you won’t have to fret over a potential foreclosure or losing your property. Keep reading and we’ll help you learn more about what a mortgage reinstatement is, how it works, and what you can do if you’re not able to reinstate your mortgage.

Can the IRS Take Your Home?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 6, 2021

The short answer is yes, legally the IRS can take your home. But it’s important to remember that as a taxpayer, you have options. This article explains how the IRS goes about taking someone’s home, and what you can do to stop it from happening to you.

How Will Foreclosure Affect My Credit?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 6, 2021

In this article, we’ll help you understand what you can do to avoid foreclosure, how a foreclosure will affect your credit if this process is unavoidable, and how you can save your credit score from dipping lower than necessary. We’ll even give you some tips on how to fix your credit after foreclosure.

If I file for bankruptcy, will it hurt my co-signer’s credit score?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2021

No. A co-signer’s social security number will not be involved, and the bankruptcy does not go on their credit.

Car Co-Owner vs. Co-Signer: What’s the difference?

Written by Attorney Andrea Wimmer. 
Updated October 30, 2021

A co-signer on a car loan is obligated to pay the loan if the other person defaults on their payment obligation while a co-owner of a car has an ownership interest in the vehicle itself. This article explains how to properly disclose these relationships in your bankruptcy forms.

Debt Consolidation vs. Bankruptcy – Which Is Better?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2021

Almost anyone who is experiencing difficulty paying their bills and considering filing for bankruptcy will come across advertisements or solicitations for something known as debt consolidation. This article will discuss the difference between debt consolidation and bankruptcy and give you some help in deciding which is better for you.

5 Smart Strategies To Boost Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2021

Your credit rating is an important component of your financial profile. Not only can a credit score determine whether you are approved for a loan or credit, but it can also determine important terms of the loan or new credit. The higher the credit score, the better the terms. A good credit score can save you money by helping you qualify for credit with a higher limit and a lower interest rate. This article will provide some helpful information for building and maintaining your credit score and overall credit profile. We’ll discuss five smart and simple strategies for boosting your credit score.

How To Stop Wage Garnishment With Bankruptcy in New York?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 19, 2021

If you live in New York and your wages are being garnished, bankruptcy may be able to help you keep your paychecks and stop wage garnishment.

How Can I Raise My Credit Score by 200 Points?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 8, 2021

If you aren’t happy with your current credit score, the good news is that you can increase it. But it won’t happen overnight. Whether you’re looking for a short-term boost or have a long-term goal to raise your score by 200 points, you can do it with some patience and persistence. It also helps to know how your credit score is calculated, so you know the best actions to take to reach your goals. Keep reading to learn how you can give your credit score a big boost by changing how you deal with your credit.

Credit Score DIY: How To Fix Your Credit on Your Own

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 8, 2021

Credit scores impact our lives whether we like it or not. Fortunately, anyone can take steps to improve their credit score. If you’re ready to improve your credit score or you just want to find out more, keep reading to learn what you can do to fix your credit score on your own.

What Can I Do if My Car Is Repossessed With My Personal Belongings In It?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 5, 2021

Your personal belongings are your personal belongings. If a repo company took your car, you have the right to get these belongings back without having to pay a fee.

How Long Does It Take To Improve Your Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 5, 2021

Many people want to improve their credit score, especially if they have bad credit. You can improve your credit score in a relatively short time, sometimes less than a year or even just a few months. This article will explain what factors determine your credit score and how you can improve yours.

How To Get Out of Paying HOA Dues

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

If you live in a condo, you are likely familiar with the term homeowners association (HOA), and the purpose it serves. An HOA essentially creates and enforces the rules governing the property and residents of a condominium or other type of community association. When someone purchases property that is part of an HOA, they automatically become a due-paying member. These dues, called HOA fees, association fees, or association dues, can be low or high, just as the HOA rules may be lenient or very restrictive.

What Is The IRS Statute Of Limitations?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Most people in the United States have to deal with tax issues at least once in their lives. If those tax issues lead to tax debt, generally, the IRS has 10 years to collect it. The 10 year period starts with the filing of the return or assessment by the IRS. However, there are a few situations that can pause this 10-year period, which gives the IRS more time to collect.

4 Important Facts About Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Wage garnishment can happen to anyone. An unexpected car repair or medical bill can cause you to fall behind in paying your debts. This article explores how wage garnishment works, what the federal limits and exemptions are, and how bankruptcy can help. If your wages are being garnished, the Consumer Credit Protection Act is a federal law that limits the amount of money that can be taken from your paycheck by your employer.

Getting a Repossessed Car Back

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

This article will explain the process of how to get your car back after it has been repossessed. Every state has laws that affect the repossession process. These laws determine how quickly a lender can repossess a car once you miss payments.

8 Tips for Effective Money Management

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Managing your finances effectively can save you a lot of money and inconvenience over time. And it’s not as hard as you might think to get your finances in order. It just takes a little planning and foresight along with some self-discipline. Regardless of what your money personality is, here are several tips that can help you manage your money more efficiently and profitably.

Statute of Limitations in Small Claims Court

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

The statute of limitations is the law that regulates how long a party has to assert a claim through the legal system and small claims courts provide simplified proceedings for people who have claims that aren’t worth a substantial amount. Generally, the statute of limitations remains unchanged if you bring a claim in small claims court. This article will explain a bit about defending yourself in your state’s small claims court and how the statute of limitations could affect your defense.

What Happens When Someone Sues You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Being served with legal papers can be stressful. But like all challenges, there are ways to deal with this. Understanding the rules of the court, basic legal definitions, and each step of a civil case is a great place to start. In this article, we’ll help you understand the difference between small claims courts, large claims courts, and civil courts. We’ll also discuss some tips for answering a lawsuit filed in any court.

When I Die, Will Someone Have To Pay My Credit Card Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 20, 2021

In most situations, no one else is responsible for your credit card debt after you die. There are two exceptions. A joint account holder will usually be responsible for credit card debt, even if the charges were yours. And your surviving spouse may be responsible if you live in a community property state. Otherwise, only your estate is responsible for the debt. Unfortunately, the way this plays out may be a little more complicated. Read on to learn more.

Will My Landlord Be Notified That I Filed for Bankruptcy?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 15, 2021

Your landlord will be notified when you file for bankruptcy if you're on a lease. If you are on a month-to-month rental agreement, then the landlord won't be notified that you filed. 

How Long Does a Credit Dispute Take?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 13, 2021

If you find an error on your credit report you can have it removed by disputing it. You must file a dispute with the credit bureau that reported the inaccurate information. The credit bureau has 30-45 days to investigate the dispute and give a response. But the total timeline of the dispute may be longer. In this article, we’ll talk more about what factors affect this timeline.

Rapid Rescoring: Updating Your Credit Report Quickly

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 13, 2021

Normally, lenders and credit bureaus update account information every 30 to 45 days. Rapid rescoring speeds up this process. Rapid rescoring is a process where a lender submits proof of recent positive changes to your credit accounts to the three major credit bureaus. They then factor this new information into your credit score with a rapid rescore. Lenders will usually receive the updated information within 3-7 days. This article will discuss what rapid rescoring is, how it can help you, and what its limitations are.

How Does the Haven Act Impact My Means Test?

Written by Attorney Andrea Wimmer. 
Updated September 8, 2021

Under the HAVEN Act, veterans or their family members who file Chapter 7 bankruptcy may exclude the certain types of income from the means test.

Protecting the 2020 CARES Act Stimulus Payment in Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated September 1, 2021

This article is about the first stimulus payment authorized by Congress as part of the CARES Act signed into law in March 2020.

How Long Does a Repo Stay on Your Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

A car repossession can stay on your credit report for seven years and the repossession will initially lower your credit score. In this article, we’ll help you learn what you can do to minimize the impact that a car repossession will have on your credit report and how to improve your credit score if your car has already been repossessed.

Partial Unemployment Benefits: Eligibility Requirements & How To Apply

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

If you were working full time before and now only work part time, you may be wondering if you qualify for unemployment benefits. You can still collect partial unemployment benefits if you are working a part time job. Eligibility will depend on your state’s laws, the number of hours you work each week, and how much you’re making. In this article, we will look at how unemployment benefits work for part-time workers and how you can get the largest unemployment benefit payment possible.

What Does It Mean To Be Laid Off?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

Being laid off from work can happen to anyone regardless of their skill or job performance. Learn how you can navigate the uncertain time between when you are let go and the time you are hired for your next job by applying for unemployment and other benefits you qualify for. Also, find out how to use the time at your disposal to ready yourself for new employment.

Unemployment Overpayment & Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated August 24, 2021

If you’ve been notified that you’ve received an overpayment of unemployment benefits, you’re probably wondering whether this will impact your bankruptcy. Here’s what you need to know.

Wage Garnishment Exemptions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 23, 2021

A wage garnishment allows your creditor to take money directly from your paycheck or sometimes your bank account. It is important to know what income is exempt from being garnished for your claim of exemption. This article will discuss what happens in wage garnishment and how you can keep income from being garnished that is protected by exemptions.

I Live in Washington State and Debt Collectors Are Calling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2021

Washington state has two laws that protect you, the Consumer Protection Act (CPA) and the Collection Agency Act (CAA). The FDCPA is the minimum standard for states, but Washington’s laws increase the standards. It’s like having a low federal minimum wage and a higher state minimum wage. In this article, we’ll help you learn how Washington’s debt collection protection laws can help you stop debt collectors from calling.

Giving Gifts Before Filing Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated August 12, 2021

The bankruptcy system doesn’t care about the fact that you purchased your kids some toys for Christmas, or that you’re giving a friend a $10 gift card for their birthday. But, you will be required to list all persons who received gifts with a combined value greater than $600 within the 2 years before your bankruptcy case is filed. This article discusses how gift giving is viewed in a Chapter 7 bankruptcy.

I paid off my wage garnishment, now what?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 12, 2021

Paying off a wage garnishment is a great accomplishment. Once all the debts are paid, though, the money that has been automatically taken from your paycheck doesn't always stop being taken from your paycheck. This article will give you advice on how to make sure your money is no longer being withheld and sent to your creditors as well as information about how you can rebuild your credit after a wage garnishment and how to avoid having your funds garnished in the future.

Wage Garnishment In California

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 12, 2021

California’s wage garnishment laws are much like those in other states. But, California has special rules for certain kinds of debt. For example, all child support payments in California automatically come with a wage garnishment order. It is important to know California’s wage garnishment rules and your options for dealing with having your wages garnished if you’re a California resident. This article will address both the rules and your options.

6 Strategies That Can Help You Become Debt-Free

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 4, 2021

Living debt-free will improve your credit score and expand your opportunities for housing and jobs. It doesn’t take long to accumulate debt, but it can take time to pay it down. Keep reading to learn the steps and strategies you can use to get started on your way to a debt-free life.

How can I pay the taxes for the “income” shown on my 1099-C?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2021

When a creditor forgives debt, you're still not completely off the hook since you'll have to consider the forgiveness income for tax purposes. If you have had $600 or more of debt canceled or forgiven by a creditor during a single year, you can expect to receive a Form 1099-C and to pay taxes on this canceled debt. If you’ve received your 1099-C or you’re evaluating a debt settlement option and want to learn more about debt forgiveness and the 1099-C tax form, keep reading. We’ll help you through this process.

What is zombie debt and should I be concerned?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Zombie debt is debt that you’re no longer legally obligated to pay. If the date of the last activity on the account happened so long ago that the statute of limitations has passed and the creditor is no longer allowed to file a lawsuit to make you pay the debt, it would be considered a zombie debt. But a misstep on your part, even an innocent one, can revive a zombie debt and put you back on the hook for paying it again. Read more to learn how this process works and how to protect yourself from debt collectors that could try to trick you into reviving zombie debts.

Property Inspections

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Your home may require a property inspection for all kinds of reasons. If you need to have one done, read this article to find out about the different types of property inspections and what you can expect to learn from one.

Principal-Only Payments: Are They a Good Idea?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

The fastest way to pay off any type of debt or loan is by paying off all of the principal as soon as possible. This makes principal-only payments an attractive option for those who have a lot of debt, especially high-interest debt from credit cards. While this type of monthly payment is not available from all lenders, a principal-only payment can save you big money on interest payments over time. Read more to learn more about principal-only payments and the pros and cons of making them.

How long do I have before my student loan goes into default?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

When you miss your student loan payments, you risk defaulting on your loan. Different lenders have different timeframes for when they consider a loan to be “in default,” so it’s important to know the terms of your loan and understand the timeframe for default. This article will explain how long it takes for federal and private student loans to go into default if you miss a monthly payment.

Can an employer contest unemployment benefits?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Employers can appeal an unemployment office’s decision to approve an applicant for unemployment insurance benefits. But, they need to have grounds to do so. In this article, we’ll explain how long an employer has to contest an unemployment claim and the application procedure that’s used in most states to determine benefit eligibility. We’ll also explore how you can appeal a decision if your application for benefits is denied.

Why You Should Always Pay More on Your Credit Card than the Minimum Payment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

A credit card minimum payment is simply the minimum amount of money you must pay each month to remain current on your debt. Making the minimum payment doesn’t do much to help you get out of debt and can actually lead to some pitfalls that will keep you in debt longer. Read this article to learn what those pitfalls are and how to avoid them.

Is there a “best” time to make my credit card payments?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2021

Many people believe that making your minimum payment on time is all there is to managing your credit card debt. The best strategies for managing credit card debt look at factors beyond just making on time payments. This article will give you tips on how to manage your credit card payment to avoid paying interest charges and detail some other important information you should know about your credit card bill.

You Can Win That Debt Collection Lawsuit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2021

Most debt collection suits in the U.S. end in default judgments. That’s a judgment entered against the alleged debtor because they either didn’t file an answer to the complaint or didn’t show up in court. This is bad news, partly because many of those cases could have been won. If you’re sued by a creditor, debt collector, or debt buyer, the worst thing you can usually do is ignore the lawsuit. This article will provide guidance on how to deal with a debt collection lawsuit.

Furlough: How It Works And Why It Matters

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 19, 2021

A furlough is a leave of absence with reduced hours and reduced pay. It could last a few hours or several months. Technically, you’re employed without pay during a furlough, but you could qualify for unemployment benefits. Furloughs include benefits, but usually don’t include paychecks. When you’re furloughed, you might get a return to work date.

Gifted Money To Pay Student Loan Debt | Will I Have To Pay Gift Tax?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 7, 2021

When you’re just starting out, a significant gift from a family member or other loved one can make all the difference. For instance, a gift that pays off all or part of your student loans or, the gift of down payment funds may help you buy a home and begin building equity. If someone has offered a generous gift but you’re worried about gift tax, income tax, and other tax issues, here’s a quick rundown of what you need to know.

Understanding Credit Card Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 28, 2021

After efforts to collect a credit card debt fail, a credit card issuer or its collection agency will eventually file a lawsuit. If you don’t respond, it can get a default judgment. Any judgment (including a default judgment) allows a creditor to get a garnishment order and garnish wages.

How Repossession Affects Your Credit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 19, 2021

Repossession can cost you more than your car. Late or missed car payments can hurt your credit. If your car is repossessed, the hit to your credit will be even more significant. This is true even if you turn in your car voluntarily.

Preparing for your 341 meeting during the COVID-19 emergency

Written by Attorney Andrea Wimmer. 
Updated April 8, 2021

If you have your 341 meeting coming up and you haven’t heard from your trustee about how they are handling 341 meetings during the COVID-19 emergency, contact their office immediately. You can find their contact information in section 5 of your Form 309A. 

I Lost My Income Due To Covid - Should I File Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated March 26, 2021

As we all navigate the COVID-19 outbreak and resulting global pandemic, the single biggest impact being felt by every-day Americans is the loss or significant reduction of household income. With so much uncertainty about so many things surrounding the Coronavirus outbreak, many are stressed and worried about their finances and trying to plan ahead. This article will explore whether bankruptcy can give you the relief you’re looking for and what to keep in mind when it comes to timing.

New Year, New Bankruptcy Laws? 

Written by Attorney Andrea Wimmer. 
Updated February 17, 2021

The Consumer Bankruptcy Reform Act of 2020 promises to pull the bankruptcy courts into the 21st century, by allowing e-signatures and remote appearances at 341 meetings.

A Guide to Securing a Personal Loan After Bankruptcy

Written by Alicia Grayson. Legally reviewed by Attorney Andrea Wimmer
Updated February 10, 2021

Filing bankruptcy gives you a fresh start, but what if you need to secure a loan after your discharge has been entered? While you're still at the mercy of lenders and financial institutions, getting a loan is not impossible. Guest Contributor Alicia Grayson has put together this short guide on everything you need to know about getting a post-bankruptcy loan.

Common Docket Entries & What They Mean

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 10, 2021

The docket is a case record prepared and maintained by the clerk of the court. Learn what common docket entries mean for your case.

How To Check The Status Of Your Fee Waiver Application

Written by Attorney Andrea Wimmer. 
Updated February 10, 2021

Anyone who earns less than 150% of the federal poverty guidelines is eligible to apply for a fee waiver. But, that doesn’t automatically mean they will receive one. The judge decides whether to grant a fee waiver based on the information contained in the fee waiver application.

Evidence: What Is It And What Do I Use It For?

Written by Attorney Andrea Wimmer. 
Updated February 5, 2021

When you bring a court action, you have to support your position by showing evidence. Here's what that means for your student loan dischargeability action.

Timeline of an Adversary Proceeding (An Overview)

Written by Attorney Andrea Wimmer. 
Updated January 30, 2021

One of our goals this year is to publish a comprehensive guide on filing an adversary proceeding as part of a bankruptcy to discharge student loans. It will initially be published as a series of Learn Articles. The following is one of the sections in the working draft of the Upsolve's Student Loan Adversary Proceeding ("SLAP") Guide.

CBRA - The Next Big Reform in Consumer Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated January 29, 2021

The Consumer Bankruptcy Reform Act of 2020 is the single largest change to the consumer bankruptcy laws in 15 years. Some thoughts from a consumer bankruptcy lawyer.

Bankruptcy Statistics

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2021

The bankruptcy statistics in this article will provide a high-level view of consumer bankruptcy filings around the country, bankruptcy rates from state to state, the types of bankruptcy cases most often filed, and the financial problems that trigger bankruptcy filings.

How Chapter 10 Would Help You Avoid Eviction

Written by Attorney Andrea Wimmer. 
Updated January 13, 2021

The Consumer Bankruptcy Reform Act of 2020 would really help folks who are behind on their rent. Current bankruptcy laws fall short, requiring you to catch up to stay.

For tenants, the time for bankruptcy reform is now…

Written by Attorney Andrea Wimmer. 
Updated January 11, 2021

Absent further government action, the ban on evictions is about to expire and - as much as we'd like it to - bankruptcy can't help...

Bankruptcy Credit Counseling & Financial Management Courses

Written by Attorney Andrea Wimmer. 
Updated January 5, 2021

If you’re filing bankruptcy to wipe away your debt you’ll need to take two educational courses. A credit counseling course before filing your case and a financial management course after filing.

What is bankruptcy fraud?

Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Andrea Wimmer
Updated December 18, 2020

Bankruptcy fraud is a broad term that describes a variety of actions that filers sometimes take to get an unfair advantage. Depending on what form that fraud takes, it’s considered a crime and is punishable by up to 5 years in federal prison and a (non-dischargeable) fine of up to $250,000. This article will explore some common types of bankruptcy fraud.

Significant Consumer Bankruptcy Reforms Introduced

Written by Attorney Andrea Wimmer. 
Updated December 10, 2020

On December 9, 2020 Senator Elizabeth Warren and House Judiciary Committee Chairman Jerrold Nadler introduced the Consumer Bankruptcy Reform Act of 2020 to simplify the consumer bankruptcy laws.

Bonus Season?

Written by Attorney Andrea Wimmer. 
Updated December 4, 2020

‘Tis the time of year when some employers pay out bonuses to their employees. If you’re expecting a bonus - congratulations, that’s awesome! But, you probably have some questions on how this impacts your bankruptcy filing, especially if you were planning on filing soon.

Should I be Embarrassed About Filing for Bankruptcy?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated November 30, 2020

Should I be embarrassed by a Chapter 7 bankruptcy filing? We'll let you know how you should think about your discharge of your debts.

Upsolve is featured on TIME’s Best Inventions of 2020!

Written by Attorney Andrea Wimmer. 
Updated November 25, 2020

Today, TIME named Upsolve to its annual Best Inventions of 2020 list!

Do I own my vehicle? What percentage of it do I own?

Written by Attorney Andrea Wimmer. 
Updated November 19, 2020

Whether or not you own your vehicle depends on whether you purchased it using a loan or leased it from a dealer or other agency.

Chapter 7 Document Checklist

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2020

Filing bankruptcy is a very document intensive process. In this article, we’ll look at what documents you’ll need to gather to ensure your case proceeds smoothly and without unnecessary complications.

Overdraft Protection and Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated October 30, 2020

Whether you'll lose your overdraft protection depends on the type of protection you have.

Frequently Asked Questions About Bankruptcy and Tax Refunds

Written by Attorney Andrea Wimmer. 
Updated October 30, 2020

It's pretty well-known that tax debts typically can't be discharged in bankruptcy. But what if you're getting a refund? This article answers some of the frequently asked questions about tax refunds and bankruptcy.

Why do reaffirmation agreements exist? 

Written by Attorney Andrea Wimmer. 
Updated October 20, 2020

If a debt is reaffirmed, the lender can repossess the car if you default on payments AND sue you for the balance left on the loan. Find out why reaffirmations exist.

What is an asset in bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated October 16, 2020

Everything you own is an asset. Whether your property is valuable enough to turn your case into an asset bankruptcy depends on what bankruptcy exemptions you can use to protect your property.

Dealing with Returned or Undeliverable Mail from the Bankruptcy Court

Written by Attorney Andrea Wimmer. 
Updated October 6, 2020

If a creditor’s address is incorrect on the creditor matrix, the court’s notices to the creditor will be returned as undeliverable. You’ll either receive the returned mail (as you’re listed as the “sender” even though the court mailed the document) or a Notice of Undeliverable Mail from the court. Or both.

Dealing with Returned or Undeliverable Mail from the Bankruptcy Court

Written by Attorney Andrea Wimmer. 
Updated October 6, 2020

If a creditor’s address is incorrect on the creditor matrix, the court’s notices to the creditor will be returned as undeliverable. You’ll either receive the returned mail (as you’re listed as the “sender” even though the court mailed the document) or a Notice of Undeliverable Mail from the court. Or both.

How To Update A Creditor’s Address After Filing

Written by Attorney Andrea Wimmer. 
Updated October 6, 2020

If a creditor’s address is incorrect on the creditor matrix, the court’s notices to the creditor will be returned as undeliverable. Follow these steps to make sure this is corrected.

How To Update A Creditor’s Address After Filing

Written by Attorney Andrea Wimmer. 
Updated October 6, 2020

If a creditor’s address is incorrect on the creditor matrix, the court’s notices to the creditor will be returned as undeliverable. Follow these steps to make sure this is corrected.

How do I prepare for my hearing?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Your bankruptcy process will include at least one (the 341 meeting), and likely two (fee waiver) hearings. Here are some of the most common hearing types you might encounter along the way to your fresh start.

Does Bankruptcy Affect Child Support?

Written by Attorney Andrea Wimmer. 
Updated September 29, 2020

Whether you’re receiving or paying child support, a bankruptcy filing will not affect it. If you’re owed back child support, it’s an asset. If you’re the one paying child support and owe an arrearage, it’s considered an unsecured priority debt that is not dischargeable.

What are the Virginia Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 23, 2020

Exempt property, such as a car or trade implements, is free of the claims of your creditors and can’t be taken by your trustee to be liquidated. Laws in Virginia determine the types as well as the amount of exempt property.

How Settling a Credit Card Debt Affects Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 15, 2020

Settling a credit card account will resolve your debt, but before you commit to this course of action, please read on to learn more about the negative impacts a debt settlement will have on your credit score, alternative debt-relief options, and how you can turn debt relief into a positive opportunity to rebuild your credit over time.

What does it mean to surrender your car in bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated September 8, 2020

If you surrender your car as part of a Chapter 7 bankruptcy, your car debt is erased by the bankruptcy discharge.

Should I Update My Forms If I Get a New Job Before Filing?

Written by Attorney Andrea Wimmer. 
Updated September 8, 2020

Congratulations on your new job! If you haven't filed yet, and you really don't know what your monthly income will be until your first paycheck comes in, you have one of two options for how to handle this.

Can I keep using my credit cards until I file bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated September 4, 2020

Once you’ve decided that you’ll be filing bankruptcy to deal with your debt, you should not continue to incur new debt. That includes making new charges on your credit card, or getting a new loan. 

What To Do If A Creditor’s Address Changed After Filing

Written by Attorney Andrea Wimmer. 
Updated September 4, 2020

If you notice that your creditor’s address has changed on a document/letter they sent to you regarding your bankruptcy, it’s likely that they’ve already provided their new/updated address to the court.

What Happens If I Have A Car Accident After Filing Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

While a property settlement from the insurance company may have to be paid to the trustee, any personal injury settlement you’re entitled to as a result of the accident is yours to keep. This article will explore what steps to take if you get in a car accident after filing a Chapter 7 bankruptcy.

What To Do If You Changed Your Mind About Keeping Your Car

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

Did you originally plan on keeping your car but changed your mind? That is totally ok! Here is what you need to do to make sure you’re protected, depending on where you are in the process.

Timing Considerations If Student Loan Company Takes Your Tax Refund

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

There are not many creditors that can withhold, or set off, your tax refund before it ever hits your bank account. The most common instance of this is when the IRS keeps your refund and applies it to a prior year's balance owed. But that's not the only time this can happen. Another reason for the federal government to withhold all or a portion of your tax refund is if you're in default with federal student loans. Since student loans aren't automatically discharged in bankruptcy, this can be a blessing in disguise. However, timing matters, and depending on when your tax refund was taken by the government, you may be better off waiting a bit to file your bankruptcy case.

Confused After A Reaffirmation Hearing?

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

Reaffirmation Hearings: An overview of possible outcomes and what it means for you.

What You Should Know About Bankruptcy And Luxury Items

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

A luxury item is something that is not reasonably necessary for your maintenance and support. It’s something you don’t need to live. Non-luxury items, on the other hand, are things you purchase to cover necessities for yourself and your dependents. Things like groceries, utilities, rent, and gas. The term luxury item includes both products and services that cost more than $725.

3 Things You Should Know About Bankruptcy Course 2

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated September 3, 2020

Every individual seeking bankruptcy relief must complete two educational courses: The credit counseling course is completed before the bankruptcy petition is filed with the court. The second course, on the other hand, can’t be completed until after the case has been filed. Without completing both courses, a bankruptcy filer cannot get their bankruptcy discharge. Here are 3 things you should know about the personal financial management course, including how it's different from credit counseling.

What To Do If A Creditor Violates The Automatic Stay

Written by Attorney Andrea Wimmer. 
Updated September 3, 2020

The automatic stay goes into effect as soon as your bankruptcy petition has been filed with the court and a case-number assigned to your case. The automatic stay prohibits creditors from trying to collect a debt from you. Creditors and their attorneys know that the bankruptcy court can order them to pay sanctions to the bankruptcy filer if they violate the automatic stay.

9 Steps to Get Out of Credit Card Debt

Written by Attorney Andrea Wimmer. 
Updated August 28, 2020

You can use the avalanche or snowball method to pay off your credit card debt, but if your debt is more than you can pay, take time to learn about the different debt-relief options available to you.

Intellectual Property and Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 28, 2020

Intellectual property receives special treatment in bankruptcy. It's important to evaluate applicable law, review licenses, contracts, ownership status, and navigate IP laws, bankruptcy laws, contract laws, and state laws before filing a bankruptcy.

Filing bankruptcy while self-employed

Written by Attorney Andrea Wimmer. 
Updated August 26, 2020

Explore the two most typical ways individuals own businesses, and how it impacts your options when it comes to getting lasting debt relief through a personal Chapter 7 bankruptcy.

Will filing bankruptcy affect my apartment lease?

Written by Attorney Andrea Wimmer. 
Updated August 25, 2020

If your rental payments are current, getting debt relief by filing bankruptcy will not affect your lease agreement. Learn how filing bankruptcy will affect your real estate lease.

Objection to Discharge

Written by Attorney Andrea Wimmer. 
Updated August 17, 2020

Although it doesn’t happen in most consumer cases, creditors have the ability to object to having their debt discharged. Some debts are not dischargeable by default. Others become non-dischargeable once a creditor objects and the court finds that cause exists to exclude a certain debt from being discharged. This article will explore why an unsecured creditor - like a credit card company or bank - would object to a discharge and how the process works.

What’s a set off and why does the court want to know about it?

Written by Attorney Andrea Wimmer. 
Updated August 11, 2020

A set off is when a bank takes money out of your bank account because you defaulted on your payment obligations on a debt owed to that bank. Normally, creditors have to get a judgment before they can reach the funds in your checking or saving accounts, but there is an exception to that general rule: When you have a credit card or loan with your bank, the agreement (either the credit card agreement or the loan documents) will often give the bank the right to pay themselves directly out of your account in the event of a default. 

Can A Judgment Creditor Take My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2020

Once a creditor files a lawsuit and is awarded a judgment by the court, it has several options to satisfy its debt. It can garnish wages or levy a bank account. It can also obtain a judgment lien and place it on real property such as a house or even personal property such as an automobile. This article will explain your options and how you can use them when a so-called judgment creditor files a lien on a motor vehicle.

How Do I Reaffirm My Car Loan?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2020

The 6-step process of reaffirming a car loan.

What relief can I expect now that Congress has passed the CARES Act?

Written by Attorney Andrea Wimmer. 
Updated August 11, 2020

The Coronavirus Aid, Relief, and Economic Security Act or CARES Act, passed by Congress and signed by the president last week provides emergency relief in a variety of forms. What follows is not intended to be a comprehensive list but rather a general overview of the types of relief made available by the Act most likely to benefit our users.

How to tell if you have property that is not protected by an exemption

Written by Attorney Andrea Wimmer. 
Updated August 10, 2020

Schedule A/B lists everything you own. Schedule C lists all everything you own that is protected by an exemption. Here is how you can tell what’s protected by an exemption by looking at your Schedule C, complete with an example to illustrate what it means when something is only partially exempt.

How do I know if my trustee is going to seize an asset?

Written by Attorney Andrea Wimmer. 
Updated August 10, 2020

Chapter 7 bankruptcy is a liquidation bankruptcy and if the filer has property that is not protected by the available exemptions, the bankruptcy trustee sells the property for the benefit of all unsecured creditors. The vast majority of all consumer Chapter 7 bankruptcy cases filed in the United States do not result in the sale of any assets by the trustee. Trustees never simply come and take an asset - whether that’s money in your bank account or a boat sitting in your driveway. Let’s look at what you can review to determine whether your trustee is likely to seize an asset from you and what to expect once your case is filed.

Telephonic Hearings in Bankruptcy Court

Written by Attorney Andrea Wimmer. 
Updated August 9, 2020

A hearing is an appearance in court where one or more parties to the case show up in the courtroom to present something to the judge. A telephonic hearing is exactly what the name suggests: a court hearing that takes place over the telephone.

How to get debt relief without risking your safety

Written by Attorney Andrea Wimmer. 
Updated August 7, 2020

Filing for bankruptcy protection can be a powerful step towards not only financial freedom, but freedom from financial oppression. It is possible to get this relief without risking your or your children’s safety. This article is all about making sure that your abuser can’t use the bankruptcy court system to further victimize you. 

6 Things about the Automatic Stay Everyone Filing Bankruptcy Should Know

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated August 7, 2020

11 U.S.C. § 362 is the technical name of the section of the bankruptcy law that protects all filers from creditor actions while their case is pending. You may have heard of this referred to as the automatic stay. Let’s take a deep dive into how 11 U.S.C. § 362 protects bankruptcy filers, what you can do if a creditor violates the automatic stay and what exceptions to the automatic stay protections you should be aware of before filing your bankruptcy case.

What is Chapter 7 bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated August 7, 2020

Chapter 7 bankruptcy is a type of bankruptcy case that can be filed by individuals, married couples, and businesses. It’s the most common type of bankruptcy and provides the fastest form of debt relief. Continue reading to learn more about how Chapter 7 bankruptcy works and what everyone filing a Chapter 7 bankruptcy should know.

Will filing Chapter 7 bankruptcy help you? Consider this...

Written by Attorney Andrea Wimmer. 
Updated July 30, 2020

Filing bankruptcy allows you to eliminate your debts - credit cards, car loans, bank loans, medical bills etc. While eliminating these payments will inevitably help your household budget, it won’t change the here and now. You’ll still be responsible for rent, utilities, insurance, groceries and really all other living expenses. Remember, filing bankruptcy does not change your income. If you made $0/mo. before filing your case, you’ll still be making $0/mo. afterwards.

Help, my 341 meeting is coming up and I can’t find my social security card!

Written by Attorney Andrea Wimmer. 
Updated July 30, 2020

Ideally, you’ll have located your social security card at the very beginning of the process and have everything ready to go by the time your creditors’ meeting rolls around. Of course, life doesn’t always go as planned. If you can’t find your social security card in time for the meeting, bring last year’s form W-2 from your employer or one of the other accepted alternatives.

The Small Business Reorganization Act: How Subchapter V Election Changes A Small Business Debtor’s Bankruptcy Filing

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 29, 2020

The SBRA creates a subchapter to Chapter 11 that is designed to allow small business debtors an alternative to large and expensive Chapter 11 cases. Electing Subchapter 5 removes many of the financial barriers and administrative burdens faced by small business debtors in a typical Chapter 11 case. While Subchapter 5 streamlines the Chapter 11 bankruptcy process, you will still need an attorney to successfully complete this bankruptcy successfully, as it is a complicated process.

How to Protect Property from Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2020

A garnishment is an order by a court to withhold and surrender a portion of a person’s pay to another entity that has been awarded a judgment against the debtor. Exemptions exclude certain property or funds from being taken by way of garnishment or levy.

What to do if your income decreases after filing Chapter 7 bankruptcy

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

If you’re a few months into your case, then you don’t have to do anything. If it changed shortly after your case was filed, wait for the creditors’ meeting and let the trustee know during the meeting that your income has changed. Depending on how much it changed, they may say don’t worry about it or request that you file updated forms.

Why does the bankruptcy court need my social security number? 

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

Interestingly, there is nothing in the Bankruptcy Code itself that requires the filer to have a social security number. But, your social security number is how you obtain and maintain credit and how your tax filings and liabilities are tracked, so the bankruptcy court system uses it to keep track of bankruptcy cases. So, if you have a social security number, you have to provide it to the bankruptcy court.

Guide to Bankruptcy Relief for Small Businesses

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated July 22, 2020

Small business owners who are struggling to pay the bills can often find relief, and even keep their businesses afloat, by filing business bankruptcy. But all bankruptcies are not created equal. To ensure that the outcome aligns with your goals, it is important to determine which type of bankruptcy is best for your unique situation.

Corporate Bankruptcy Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 22, 2020

When a corporation gets into financial trouble, the company may be able to file for bankruptcy protection. In some ways, corporate bankruptcy is like consumer bankruptcy. But, there are also important differences. In this article, you’ll learn how the two types of business bankruptcy differ, how each works, and how corporate bankruptcy is different from personal bankruptcy.

Is there a way to keep a credit card I need when filing bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

Unfortunately, there’s no way to keep a credit card, no matter the reason. If you owe a balance on the credit card, you have to list it as a debt. The debt will be discharged and the account closed by the creditor. Bankruptcy law requires that you list all of your debts. You are not allowed to simply “leave out” one of your credit cards. 

Store Cards and Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

Issuing credit cards to their customers is a favorite and quite effective marketing technique used by many retail stores. It makes the customer feel special and come back to take advantage of the “deals” only available to card holders. Common examples include Best Buy, Kohl’s and Apple credit cards. This article explores how store credit cards are treated in a Chapter 7 bankruptcy.

Cash Advances and Bankruptcy

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

A cash advance is exactly what it sounds like. Someone gives you cash, you pay it back. There are a variety of different forms of cash advances, but they all have this in common. You get cash in a certain amount. You pay it back with interest.  Getting a cash advance right before filing bankruptcy is a big red flag for a couple of reasons. This article explains how.

Why can’t I login to my account to pay my car loan anymore?

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

After a bankruptcy filing, some creditors block you from logging in to your account. This becomes a problem if you want to keep your car and need to make your payment. Unfortunately, there isn’t much consistency among lenders on when and why they do it. They say it’s because they don’t want to violate the automatic stay. Unfortunately, what it really does is make it much harder for the filer to make their payment. 

If I surrender my vehicle, will I be responsible for any balance owed?

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

No. Even if the car is sold for much less than what you owe on the loan, your personal liability to pay the loan is discharged.

Verification of Creditor Matrix Explained

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

Learn about the verification of creditor matrix.

My children receive social security benefits. Do I include this as income in my bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

There are two locations in your bankruptcy forms where income has to be disclosed, the means test and your Schedule I. This article explores whether and when you should include social security benefits your child receives as part of your household income in your bankruptcy forms.

Can I file bankruptcy with my deceased spouse?

Written by Attorney Andrea Wimmer. 
Updated July 22, 2020

No, you can't file bankruptcy jointly with your late spouse. But, you can (and should) make sure that all of their debts are listed on your schedules so any payment obligation you may have to the creditors can be discharged in as part of your case.

How To File Bankruptcy for Free in Pennsylvania

Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Andrea Wimmer
Updated August 27, 2024

How To File Bankruptcy for Free in Pennsylvania

Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Andrea Wimmer
Updated August 27, 2024

How to Settle Your Debts in the District of Columbia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 27, 2024

Eviction Laws and Tenant Rights in Arizona

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2024

Wage Garnishment in Wyoming

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Eviction Laws and Tenant Rights in Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Wage Garnishment in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

How To File Bankruptcy for Free in Delaware

Written by Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

How To File Bankruptcy for Free in Delaware

Written by Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

How To File Bankruptcy for Free in Rhode Island

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

How To File Bankruptcy for Free in Rhode Island

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Eviction Laws and Tenant Rights in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

How To File Bankruptcy for Free in Louisiana

Written by Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated August 20, 2024

How To File Bankruptcy for Free in Minnesota

Written by Chiara King. 
Updated August 20, 2024

How To File Bankruptcy for Free in Kentucky

Written by Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated August 20, 2024

How To File Bankruptcy for Free in Texas

Written by Attorney Paige Hooper. 
Updated August 20, 2024

Wage Garnishment in Arizona

Written by Attorney Andrea Wimmer. 
Updated July 12, 2024

How To File Bankruptcy for Free in Oklahoma

Written by Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated July 3, 2024

How To File Bankruptcy for Free in Oklahoma

Written by Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated July 3, 2024

How To File Bankruptcy for Free in Arizona (Without a Lawyer)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 1, 2024

How To File Bankruptcy for Free in Arizona (Without a Lawyer)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 1, 2024

How To File Bankruptcy for Free in Illinois

Written by Attorney Andrea Wimmer. 
Updated April 19, 2024

How To File Bankruptcy for Free in Illinois

Written by Attorney Andrea Wimmer. 
Updated April 19, 2024

How To File Bankruptcy for Free in Iowa

Written by Attorney Todd Carney. Legally reviewed by Attorney Paige Hooper
Updated April 19, 2024

How To File Bankruptcy for Free in Indiana

Written by Chiara King. 
Updated April 19, 2024

How To File Bankruptcy for Free in Hawaii

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

How To File Bankruptcy for Free in Hawaii

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

How To File Bankruptcy for Free in Georgia

Written by Krishna Patel. Legally reviewed by Attorney Paige Hooper
Updated April 19, 2024

How To File Bankruptcy for Free in Connecticut

Written by Attorney Paige Hooper. 
Updated April 19, 2024

How to File Bankruptcy for Free in Colorado

Written by Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated April 19, 2024

How To File Bankruptcy for Free in Alaska

Written by Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

How To File Bankruptcy for Free in Alaska

Written by Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

How To File Bankruptcy for Free in Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 4, 2024

How To File Bankruptcy for Free in Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 4, 2024

Repossession Laws in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Nebraska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Mississippi

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Rhode Island

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

How To File Bankruptcy for Free in Massachusetts

Written by Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2024

How To File Bankruptcy for Free in Massachusetts

Written by Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2024

How to Settle Your Debts in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Settle Your Debts in Delaware

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Settle Your Debts in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Settle Your Debts in Alaska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Settle Your Debts in Colorado

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Consolidate Your Debts in Minnesota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How To File Bankruptcy for Free in New Hampshire

Written by Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated December 4, 2023

How To File Bankruptcy for Free in New Hampshire

Written by Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated December 4, 2023

How To File Bankruptcy for Free in Montana

Written by the Upsolve Team. 
Updated September 29, 2023

How To File Bankruptcy for Free in Idaho

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 29, 2023

How To File Bankruptcy for Free in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

How To File Bankruptcy for Free in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Free Bankruptcy Lawyer in Phoenix, Arizona

Written by Attorney Andrea Wimmer. 
Updated September 29, 2023

How To File Bankruptcy for Free in New Jersey

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

How To File Bankruptcy for Free in New Jersey

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

How To File Bankruptcy for Free in California Without a Lawyer

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How To File Bankruptcy for Free in California Without a Lawyer

Written by Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
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How to Become Debt Free With a Debt Management Plan in New Hampshire

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Filing Bankruptcy in Tucson, Arizona

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How to Become Debt Free With a Debt Management Plan in Mississippi

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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Filing Bankruptcy in Box Elder, South Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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How To Become Debt Free With a Debt Management Plan in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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How to Become Debt Free With a Debt Management Plan in Nebraska

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Wage Garnishment in South Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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How To File Bankruptcy for Free in Maryland

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How To Become Debt Free With a Debt Management Plan in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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Wage Garnishment in California

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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How to Become Debt Free with A Debt Management Plan in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
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Wage Garnishment in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

How To File Bankruptcy for Free in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 10, 2023

How To File Bankruptcy for Free in Wisconsin

Written by Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 10, 2023

How To File Bankruptcy for Free in Wisconsin

Written by Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 10, 2023