Attorney Andrea Wimmer

What Is Bankruptcy?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

Bankruptcy is a legal process that helps people eliminate or reorganize their debts and get a fresh start. Chapter 7 and Chapter 13 bankruptcy are the most common types of personal bankruptcy. Chapter 7 wipes out your eligible debts, including credit card debt, medical bills, and more, in a matter of months. Chapter 13 requires a multiyear repayment plan but can help you catch up on past-due car or home loan payments.

Giving Gifts Before Filing Bankruptcy

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 15, 2025

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.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

Is 600 a Good or Bad Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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 Are the Requirements for Chapter 7 Bankruptcy?

Written by Ben Jackson. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

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 May 15, 2025

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.

What Are the California Bankruptcy Exemptions?

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Pros & Cons of Debt Settlement

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Can My Social Security Disability Benefits Be Garnished?

Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

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.

What Are the Virginia Bankruptcy Exemptions?

Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

Virginia bankruptcy exemptions let you keep certain property—like your home, car, and household items—when you file for Chapter 7 bankruptcy. These exemptions are grouped by category and have dollar limits that protect the value of specific types of property, including personal items, wages, and public benefits. Unlike some states, Virginia does not let you choose between state and federal bankruptcy exemptions—you must use the Virginia list. If your property falls within these exemption limits, you can likely keep it, even while clearing away your unsecured debts. Understanding how exemptions work can help you protect the things that matter most as you get a fresh financial start.

What Are the Wisconsin Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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 Michigan Bankruptcy Exemptions?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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. $31,575). But if you aren’t a homeowner, the federal exemptions for personal property, including your vehicle, are more generous.

Chapter 7 Means Test Calculator

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Can You Arrange a Settlement With Student Loan Lenders?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

When Will a Debt Collector Sue for Unpaid Debt?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Can I File Bankruptcy Without My Spouse?

Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

What You Need To Know About Wrongful Foreclosure

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

When borrowers default on their mortgage, the lender has the right to foreclose on their home. But the foreclosure may be wrongful if the mortgage lender or servicer doesn’t follow federal and state laws and the terms of your mortgage agreement. Wrongful foreclosure can happen because of errors, miscommunication, or illegal actions by the lender. If this happens, you may be able to challenge the foreclosure in court and ask for it to be paused or reversed.

What Are the Texas Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Chapter 7 Bankruptcy Forms Explained: A Simple Guide To Get Started

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

Filing for Chapter 7 bankruptcy requires completing a packet of 23 official forms, including a voluntary petition, schedules, and financial statements. Together, these forms make up what’s commonly called your bankruptcy petition. Each form serves a specific purpose, such as listing your debts, assets, income, and expenses. While it might seem like a lot, most of the information comes from documents you already have.

What Is Chapter 7 Bankruptcy & When Should I File?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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 Buy a Car After Bankruptcy?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

Debt Consolidation – 5 Things You Should Know

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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

What is an asset in bankruptcy?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

How To Stop Wage Garnishment With Bankruptcy in New York?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

How Do I Find an Affordable Bankruptcy Attorney?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

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

Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Does The Government Pay for Bankruptcies?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

Should I File Bankruptcy Before Getting Married?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

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

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 15, 2025

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.

What Are Florida's Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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 $5,000, and 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.

How To Buy a Car After Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

Chapter 7 bankruptcy is a powerful debt relief tool. It helped almost 500,000 people get a fresh start last year (2024), and it's a lifeline for 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. We outline the 10 steps to file your case successfully.

What Are the Chapter 7 Bankruptcy Income Limits?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

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.

Guide To Bankruptcy Exemptions: What Can You Keep When You File Chapter 7?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 14, 2025

Filing for Chapter 7 bankruptcy doesn’t mean losing everything. In fact, most people who file get to keep all of their property, including their home, car, clothes, and everyday household items. That’s because bankruptcy laws include exemptions, which are legal protections for the things you need to live and work.These exemptions exist to help you get a real fresh start. This guide breaks down how bankruptcy exemptions work in Chapter 7, what property they cover, and how to make sure you claim them properly. Whether you're using state or federal exemptions, understanding these protections can give you peace of mind and help you move forward.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 14, 2025

Many people who file Chapter 7 are able to keep their car. If you're up to date on payments and your car’s value is covered by an exemption in your state, you may be able to keep it. Some filers also choose to keep their car by redeeming the loan (paying a lump sum) or reaffirming it (agreeing to keep making payments). What’s possible depends on your state’s laws and your specific situation.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 14, 2025

Many people who file Chapter 7 are able to keep their car. If you're up to date on payments and your car’s value is covered by an exemption in your state, you may be able to keep it. Some filers also choose to keep their car by redeeming the loan (paying a lump sum) or reaffirming it (agreeing to keep making payments). What’s possible depends on your state’s laws and your specific situation.

What Are the Ohio Bankruptcy Exemptions?

Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated May 14, 2025

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 $182,625 for individual filers, a $5,025 motor vehicle exemption, and a $1,675 wildcard exemption. It also has exemptions for personal property and money benefits.

Can You File Bankruptcy Online Without a Lawyer?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 13, 2025

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).

How To File Chapter 7 Bankruptcy With No Money (Free & Low-Cost Options)

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 13, 2025

Filing Chapter 7 bankruptcy comes with costs, including court fees, credit counseling fees, and attorney fees. But some filers can do it for free or at a very low cost. If your income is low enough, you can request a court fee waiver and reduced or waived credit counseling fees. Filing without a lawyer is possible, and free tools like Upsolve can help guide you through the process. If you prefer legal help, you may qualify for free or low-cost assistance from legal aid organizations or pro bono attorneys.

Homestead Exemption 101: How It Works in Bankruptcy

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 12, 2025

The homestead exemption helps protect the equity in your home if you file Chapter 7 bankruptcy. This protection makes it possible for many homeowners to get relief from credit card debt, medical bills, and other unsecured debts without losing their house. There’s a federal exemption, and each state sets its own exemption rules. How much home equity you can protect depends on where you live. If your equity goes over the exemption limit, you may still have options, including Chapter 13 bankruptcy and other forms of debt relief.

Can I File for Bankruptcy After Moving to a New State?

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated May 12, 2025

Yes, you can file bankruptcy after moving, but it can be a little complicated. Your move affects where you file and what property protections apply. To file in your current state, you must have lived there for at least 91 days. However, using your new state’s exemption laws requires living there for at least 730 days (two years). If you don’t meet this requirement, you may need to rely on your former state’s exemptions — if that state allows non-residents to use them — or use federal bankruptcy exemptions instead.

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

Written by Curtis Lee, JD. Legally reviewed by Jonathan Petts
Updated May 12, 2025

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.

What Are the Illinois Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 12, 2025

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 Is Unsecured Debt?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 12, 2025

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.

Can You Buy a Car During Chapter 7 Bankruptcy? What To Know About Auto Loans

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 9, 2025

You technically can buy a car during the Chapter 7 bankruptcy process, but that doesn’t mean it’s always the best idea. Lenders may see you as a higher risk, which can mean higher interest rates and less favorable loan terms. Many people find it easier to wait until after their discharge, when they may have more financing options. If buying a car during bankruptcy is necessary, comparing lenders and loan terms can help you make the best financial decision.

Can You File Bankruptcy and Keep Your House?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 9, 2025

Many people who file Chapter 7 or Chapter 13 bankruptcy can keep their home, but it 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.

What Are the Oregon Bankruptcy Exemptions?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 9, 2025

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.

California Bankruptcy Exemptions Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 9, 2025

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 Are the Colorado Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 9, 2025

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, including a $250,000 homestead exemption (for filers under 60) and a $15,000 motor vehicle exemption.

What Are the Arizona Bankruptcy Exemptions?

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 9, 2025

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 Chapter 7 Bankruptcy Rules?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

How Often Can You File Bankruptcy? Understanding Time Limits & Rules

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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? Understanding Time Limits & Rules

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Can I File Bankruptcy Even Though I’m Unemployed?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

5 Smart Strategies To Boost Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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 can I surrender my car in Chapter 7 bankruptcy?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

"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.

Should I File Bankruptcy for My Business?

Written by Curtis Lee, JD. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Cramdown in Chapter 13 Bankruptcy

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

Can Attorney Fees Be Included in Bankruptcy?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

What To Do If A Creditor Violates The Automatic Stay

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Can a Judgment Creditor Take My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

When a creditor sues you and wins a court judgment, they gain powerful tools to collect the debt you owe. These tools include garnishing wages, levying bank accounts, or placing a judgment lien on your property — like your home or car. If a lien is placed on your car, it could put your vehicle at risk, depending on its equity and your state’s exemption laws. This article breaks down what happens when a creditor files a lien on your car, your legal rights, and the steps you can take to protect your property.

How Do I Know if My Trustee Is Going To Seize an Asset?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

6 Tips for Settling Credit Card Debt Before Going to Court

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

Can My Spouse Be Pursued for My Debts?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Generally speaking, you can’t be pursued for your spouse’s debt unless you live in one of the nine community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin) or you’ve co-signed or co-borrowed on a loan or you have a joint account. In community property states, most debts incurred during the marriage are considered shared, which means creditors might be able to pursue both spouses for repayment, even if only one spouse signed for the debt.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Your Rights After Your Lender Transfers Your Home Loan

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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 loan, but you need to know who your new mortgage holder or servicer is so you can avoid negative consequences like payment issues, late fees, or credit problems.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Will My Landlord Be Notified That I Filed for Bankruptcy?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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 To Get Out of Paying HOA Dues

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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 a Time-Barred Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

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

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 8, 2025

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.

Chapter 7 Document Checklist

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

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

Written by Mae Koppes. Legally reviewed by Jonathan Petts
Updated May 8, 2025

When you file for bankruptcy, your co-signer stays legally responsible for the co-signed debt, even if your obligation to repay it is discharged. In Chapter 7 bankruptcy, the lender can still pursue your co-signer if the car is surrendered or the borrower defaults on the loan. Options like reaffirmation or redemption may reduce your co-signer’s risk if payments continue. In Chapter 13 bankruptcy, the co-debtor stay may temporarily stop the lender from going after your co-signer, but this protection is lost if payments aren’t made.

How Settling a Credit Card Debt Affects Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

How a Lawyer Can Help You With Car Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

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 May 8, 2025

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.

Can You File Bankruptcy and Keep Your House?

Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

I Paid Off My Wage Garnishment — Now What?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

After paying off your wage garnishment, it’s important to confirm that your employer or bank has stopped withholding money from your paycheck or account. Contact your employer’s payroll department or your bank to ensure they’ve received notice to end the garnishment. If money was garnished in error or continues to be withheld, you may need to follow up with the creditor or court to resolve the issue. Once the garnishment is fully resolved, you can focus on rebuilding your credit and taking steps to avoid future garnishments.

What Personal Property Can Be Seized After a Judgment?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

I Live in Washington State and Debt Collectors Are Calling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

How Can I Raise My Credit Score by 200 Points?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

What Is My Bankruptcy Discharge Date?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

A bankruptcy discharge date marks the end of your bankruptcy case. It happens when a judge signs the order erasing your responsibility to repay certain debts, like credit card bills or medical expenses. This date is listed on the discharge order, which the court will mail to you. Chapter 7 cases usually take 3–6 months, while Chapter 13 cases require completing a 3–5-year repayment plan before you can receive your discharge. Completing required steps, like the debtor education course, ensures there are no delays.

6 Things You Should Know About the Statement of Intentions

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 8, 2025

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.

Debt Consolidation vs. Bankruptcy – Which Is Better?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

California Repossession Law

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

6 Strategies To Negotiate Your Credit Card Debts

Written by Attorney Tori Bramble. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Whether you have a good credit score or a bad one, it’s possible to negotiate with credit card companies to lower your credit card debt. If you have a good credit score, creditors are usually not eager to help you negotiate your credit card debt because they think you can pay your debt. But if you’ve missed payments and the credit card issuer fears you may not pay them back in full, they may be willing to help you negotiate your balance. In this guide, you’ll learn how to negotiate credit card debt. We'll give actionable tips for folks who have a good credit score. Then we’ll provide credit card negotiation strategies that you can use if your credit score is not that good anymore.

How To Stop Collection Calls: A Comprehensive Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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.

Your Guide To Rebuilding Credit After Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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.

Bankruptcy for Senior Citizens

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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.

Removing a Judgment from Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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 To Pay Off Credit Card Debt When You Have No Money

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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 Is Secured Debt?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 7, 2025

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.

Creditor Calling After You File Bankruptcy? Do This.

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 7, 2025

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.

Should You Surrender an Unwanted Car in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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.

Is Upsolve real? Is this a legitimate service?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 7, 2025

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.

What Is Mortgage Deferral and How Does It Help Homeowners?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

What Happens After You Attend the 341 Meeting?

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated May 6, 2025

After your 341 meeting, you’re in the final stages of your Chapter 7 bankruptcy case. The court will typically grant your discharge 60–90 days later, wiping out most or all of your eligible debts and giving you a fresh financial start. If the trustee determines your case is a no-asset case, it will likely be closed soon after the discharge is entered. However, if the trustee finds non-exempt assets, the process may take longer as they work to distribute funds to creditors, though your discharge won’t be affected.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

What Is the Chapter 7 Bankruptcy Timeline?

Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

Chapter 7 bankruptcy typically takes 4–6 months, with key milestones along the way. It’s an effective form of debt relief that can wipe out unsecured debts like credit card debt and medical bills. This article overviews what to expect as you prepare for your Chapter 7 case and what happens after you file bankruptcy.

Will a Foreclosure Ruin My Credit Forever?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

California Debt Collection Laws

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

Bankruptcy Credit Counseling & Financial Management Courses: A Complete Guide

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 6, 2025

If you’re filing for bankruptcy, you must take two required courses: a credit counseling course before filing and a debtor education course after filing. The first helps you explore debt relief options, while the second teaches financial management skills to help you rebuild. Both must be completed through an approved provider, and you won’t receive your discharge without them.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 6, 2025

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

What Is A Charge Off On A Car Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

Debt Settlement Attorneys: How Can They Help?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

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.

3 Things You Should Know About Bankruptcy Course 2

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

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.

Wage Garnishment Exemptions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

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.

Is an Income-Contingent Repayment Plan Right for You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

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.

Will Filing Bankruptcy Affect My Apartment Lease?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 5, 2025

Filing for bankruptcy doesn’t cancel your lease or force you to move. If you’re current on rent, you can keep your lease by continuing to pay on time. If you’re behind, the automatic stay temporarily prevents eviction, but you’ll need to catch up on rent to stay. Bankruptcy can wipe out back rent owed before filing, but you’re still responsible for rent after filing. If there’s already an eviction judgment, you’ll need to meet certain requirements to stop the eviction.

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

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 1, 2025

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.

How Does Bankruptcy Affect a Car Lease?

Written by Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 1, 2025

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.

Can Social Security Overpayments be Discharged in Bankruptcy?

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated May 1, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

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

What Happens If The Bank Takes My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

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.

What are Priority Unsecured Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

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.

Your Credit Score Is Not Ruined Forever After a Bankruptcy Filing

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2025

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.

Can an employer contest unemployment benefits?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2025

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.

How Much Does It Cost To File Bankruptcy?

Written by Attorney Jenni Klock Morel. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2025

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.

The Complete Guide To Medical Bills and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

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.

Already Filed Bankruptcy Then Sued By a Creditor? Do This

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 29, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

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.

How Long Does It Take To Improve Your Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

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.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 29, 2025

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.

How Long Does Chapter 7 Bankruptcy Take?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 29, 2025

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.

Can I Fix Negative Information on My Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

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.

What Is the IRS Statute of Limitations?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

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.

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

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated April 28, 2025

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.

The Complete Guide To Disputing Student Loans on Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 24, 2025

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 Is a Bankruptcy Trustee?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 24, 2025

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.

Common Docket Entries & What They Mean

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 24, 2025

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

What Bills Should I Keep Paying After Filing Bankruptcy?

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated April 24, 2025

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.

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

Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated April 23, 2025

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.

Everything You Need To Know About Small Claims Court and Wage Garnishment

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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 To Write a Debt Settlement Letter (Step-by-Step Guide + Template)

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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.

How To Win a Debt a Lawsuit Against a Debt Collector

Written by Attorney Andrea Wimmer. 
Updated April 22, 2025

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.

Why Do I Keep Getting Calls About Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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.

5 Solid Steps for Negotiating With Debt Collectors

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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

Will Bankruptcy Affect My Citizenship Application?

Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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.

Rapid Rescoring: Updating Your Credit Report Quickly

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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.

Principal-Only Payments: Are They a Good Idea?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

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 To Get a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

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.

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 21, 2025

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 Dispute or Reduce Expensive Medical Bills

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

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)

What Happens When Someone Sues You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

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.

What Happens When a Chapter 13 Case Is Dismissed?

Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

When a Chapter 13 bankruptcy is dismissed, your case ends without any debts being discharged, and you lose the protection provided by the bankruptcy court. This means creditors can start or resume collection activities against you, such as wage garnishments, lawsuits, or foreclosure proceedings. Payments you made toward your Chapter 13 repayment plan won’t be refunded, and your debts will revert to what you owed before filing, minus any payments made during the case. Additionally, the dismissal will be noted on your credit report, which can negatively affect your credit score.

6 Steps To Stop Wage Garnishment After Filing Bankruptcy

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 21, 2025

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.

Can I Leave Debts Out of My Bankruptcy?

Written by Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated April 21, 2025

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.

Can I Discharge Private Student Loans in Bankruptcy?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 21, 2025

In rare cases, filing bankruptcy can help you get rid of private student loans, but they are much harder to get rid of than other kinds of debts like credit card debt or medical bills. 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 an experienced bankruptcy attorney.

Student Loan Rehabilitation: How To Get Out of Default

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2025

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.

What are the alternatives to Chapter 7 bankruptcy?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 17, 2025

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.

How To Stop Wage Garnishment Immediately

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 17, 2025

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.

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

Written by Attorney Andrea Wimmer. 
Updated April 17, 2025

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. 

Statute of Limitations in Small Claims Court

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2025

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 You Should Know About Bankruptcy And Luxury Items

Written by Jonathan Petts. Legally reviewed by Ben Jackson
Updated April 16, 2025

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.

How To Get Out of a Car Lease Early (Without a Big Penalty)

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 9, 2025

Getting out of a car lease early can be expensive, but there are ways to reduce or avoid penalties. Common options include transferring the lease to someone else, buying out the lease and selling the car, trading it in for a different vehicle, or requesting lower or deferred payments from your lender. Each option has pros, cons, and costs, so it’s important to compare them based on your financial situation and needs. Lease transfers are often the most affordable choice if your leasing company allows them. Lease buyouts can work well if the car’s market value is higher than the payoff amount. No matter which route you’re considering, reviewing your lease agreement and contacting your lender can help you make an informed decision.

How To Convert Chapter 13 Bankruptcy to Chapter 7 & What To Expect

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 25, 2025

If you can no longer afford your Chapter 13 repayment plan, you may be able to convert to Chapter 7 for faster debt relief. The process is usually simple. You file a Notice of Conversion with the court, pay a $25 fee, and, once your case is converted, attend a new 341 meeting, Your Chapter 7 discharge typically happens about 60 days later, assuming no creditor objects. Switching chapters can affect your property, secured debts, and exemptions, so it’s important to understand the pros and cons. This guide explains how to convert, who qualifies, and what happens after the switch.

Can the IRS Take Your Home if You Owe Back Taxes?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 20, 2025

The IRS can legally take your home if you owe back taxes. But this is rare and typically a last resort. Before taking your home, the IRS will try to collect through tax liens, wage garnishments, bank levies, and tax offsets. If the IRS does move to seize your home, they must follow strict legal procedures, including court approval and giving you notice with a chance to appeal. You can stop home seizure by requesting a hearing, setting up a payment plan, filing Form 911 with the Taxpayer Advocate Service, or considering bankruptcy.

Discharge vs. Dismissal: What's the Difference?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2025

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.

Can a Repo Man Enter a Locked Gate?

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2025

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 an open garage or your yard, driveway, or other private property if nothing is blocking their access. They can also repo your vehicle from public places such as parking lots. Keep reading to learn more.

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

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 3, 2025

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.

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

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2025

There’s no minimum or maximum debt required to file Chapter 7 bankruptcy — eligibility is based on your financial situation. However, for Chapter 13, your total debts must be less than $2,750,000, according to U.S. Courts.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

Eviction 101

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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’s the Best Student Loan Repayment Plan for Me?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

Partial Unemployment Benefits: Eligibility Requirements & How To Apply

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

The Complete Guide To Refinancing Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

What Is the Standard Repayment Plan for Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

Can You Get Student Loan Forgiveness if You Drop Out?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

Student Loan Garnishments And Hardship

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 30, 2025

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.

Public Service Loan Forgiveness Program: The Ultimate Guide

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 30, 2025

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

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

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 30, 2025

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. 

How To Get Your Credit Report For Free

Written by Attorney Tina Tran. Legally reviewed by Jonathan Petts
Updated January 28, 2025

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 Is Community Property?

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 28, 2025

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.

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

Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated January 24, 2025

If your car is repossessed with your personal belongings inside, you have the legal right to retrieve your items. Repo companies cannot keep or sell your personal property, and they generally can’t charge you a fee to collect your belongings unless you delay for an extended period. After repossession, the lender will send you a notice with details on how to retrieve your car and personal items.

How Much Does Credit Repair Cost?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2025

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

How To File Bankruptcy for Free in New York Without a Lawyer

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 16, 2025

How To File Bankruptcy for Free in New York Without a Lawyer

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 16, 2025

How To File Bankruptcy for Free in Texas Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 16, 2025

How To File Bankruptcy for Free in Maine

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Maine

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Mississippi

Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Montana

Written by Attorney Andrea Wimmer. Legally reviewed by the Upsolve Team
Updated May 15, 2025

How To File Bankruptcy for Free in Nebraska

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Nevada Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in South Dakota Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in South Dakota Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Idaho Without a Lawyer

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Hawaii Without a Lawyer

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Hawaii Without a Lawyer

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Pennsylvania Without a Lawyer

Written by Attorney Eva Bacevice, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Missouri

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Missouri

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Michigan Without a Lawyer

Written by Attorney Eva Bacevice, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in New Mexico Without a Lawyer

Written by Attorney Andrea Wimmer, Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Kansas

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Kansas

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Illinois Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Illinois Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in California Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in California Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Connecticut Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Wisconsin Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Wisconsin Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Alaska Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Alaska Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Iowa

Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

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

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

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

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in West Virginia

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Utah Without a Lawyer

Written by Attorney Andrea Wimmer, Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Virginia Without a Lawyer

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in New Hampshire Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in New Hampshire Without a Lawyer

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Alabama

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Alabama

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in New Jersey

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in New Jersey

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Rhode Island Without a Lawyer

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Rhode Island Without a Lawyer

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Georgia Without a Lawyer

Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Washington D.C. Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Washington D.C. Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Louisiana

Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Oregon

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Oregon

Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2025

How To File Bankruptcy for Free in Kentucky Without a Lawyer

Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated May 15, 2025

How To File Bankruptcy for Free in Minnesota

Written by Attorney Andrea Wimmer, Chiara King. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Maryland

Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 15, 2025

How To File Bankruptcy for Free in Wyoming Without a Lawyer

Written by Attorney Andrea Wimmer, Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated May 14, 2025

How To File Bankruptcy for Free in Massachusetts

Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated May 14, 2025

How To File Bankruptcy for Free in Massachusetts

Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated May 14, 2025

How To File Bankruptcy for Free in Arkansas Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 14, 2025

How To File Bankruptcy for Free in Arkansas Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 14, 2025

How To File Bankruptcy for Free in Colorado Without a Lawyer

Written by Attorney Andrea Wimmer, Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated May 14, 2025

How to Consolidate Your Debts in Massachusetts

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 12, 2025

How To File Bankruptcy for Free in South Carolina Without a Lawyer

Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated May 12, 2025

How To File Bankruptcy for Free in Delaware Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 12, 2025

How To File Bankruptcy for Free in Delaware Without a Lawyer

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated May 12, 2025

How To File Bankruptcy for Free in Vermont Without a Lawyer

Written by Attorney Andrea Wimmer, Kelly Pickering. Legally reviewed by Attorney Paige Hooper
Updated May 12, 2025

How To File Bankruptcy for Free in Indiana Without a Lawyer

Written by Attorney Andrea Wimmer, Chiara King. Legally reviewed by Jonathan Petts
Updated May 9, 2025

How To File Bankruptcy for Free in North Dakota

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 9, 2025

How To File Bankruptcy for Free in North Dakota

Written by Attorney Andrea Wimmer, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 9, 2025

Wage Garnishment in Iowa

Written by Attorney Andrea Wimmer. 
Updated May 8, 2025

Eviction Laws and Tenant Rights in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Consolidate Your Debts in Michigan

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in California

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Settle Your Debts in Illinois

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Become Debt Free With a Debt Management Plan in New York

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Arizona

Written by Attorney Andrea Wimmer. 
Updated May 8, 2025

Wage Garnishment in Wyoming

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Pennsylvania

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Alaska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Eviction Laws and Tenant Rights in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Settle Your Debts in Iowa

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How To Settle Your Debts in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Consolidate Your Debts in Nebraska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Eviction Laws and Tenant Rights in Maryland

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Settle Your Debts in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Consolidate Your Debts in Minnesota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

How to Consolidate Your Debts in Maryland

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

Wage Garnishment in Minnesota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

Wage Garnishment in South Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

Wage Garnishment in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

Wage Garnishment in the District of Columbia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

Wage Garnishment in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 7, 2025

Wage Garnishment in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

Eviction Laws and Tenant Rights in Vermont

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

Wage Garnishment in South Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

How to Become Debt Free With a Debt Management Plan in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

How to Become Debt Free with A Debt Management Plan in Washington D.C.

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 6, 2025

How To Consolidate Your Debts in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

La bancarrota del Capítulo 7: ¿Qué es? ¿Debo declararme en bancarrota? ¿Cómo lo hago?

Written by Rohan Pavuluri, Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

Eviction Laws and Tenant Rights in Georgia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

How to Settle Your Debts in Idaho

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2025

Eviction Laws and Tenant Rights in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

Eviction Laws and Tenant Rights in Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

How to Become Debt Free with a Debt Management Plan in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

How to Consolidate Your Debts in Missouri

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

Wage Garnishment in Ohio

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

How to Become Debt Free with A Debt Management Plan in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

Repossession Laws in Nebraska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

How to Settle Your Debts in Indiana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 1, 2025

Wage Garnishment in Georgia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2025

Eviction Laws and Tenant Rights in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025

How To File Bankruptcy for Free in North Carolina Without a Lawyer

Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

How To File Bankruptcy for Free in North Carolina Without a Lawyer

Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

How Wage Garnishment Works in Washington (and How To Stop It)

Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 28, 2025

Wage Garnishment in Oregon

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

How to Become Debt Free with A Debt Management Plan in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

How to Get Free Credit Counseling in Idaho

Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025

How to Settle Your Debts in Delaware

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 24, 2025

How to Settle Your Debts in the District of Columbia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 24, 2025

Wage Garnishment in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 24, 2025

Eviction Laws and Tenant Rights in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

How To Settle Your Debts in Kansas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

How to Settle Your Debts in Wyoming

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 22, 2025

Eviction Laws and Tenant Rights in Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

Eviction Laws and Tenant Rights in Arizona

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

How to Become Debt Free with A Debt Management Plan in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

How to Settle Your Debts in Alaska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

How To File Bankruptcy for Free in Oklahoma

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

How To File Bankruptcy for Free in Oklahoma

Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 21, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2025

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2025

Eviction Laws and Tenant Rights in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2025

Repossession Laws in Mississippi

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2025

How To Consolidate Your Debts in Texas

Written by the Upsolve Team, the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2025

Eviction Laws and Tenant Rights in South Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2025

Eviction Laws and Tenant Rights in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2025

Eviction Laws and Tenant Rights in Oregon

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2025

How To Settle Your Debts in Colorado

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2025

Eviction Laws and Tenant Rights in Alabama

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

Repossession Laws in New Hampshire

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 Become Debt Free With a Debt Management Plan in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 14, 2023

How to Become Debt Free with A Debt Management Plan in Ohio

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

How to Become Debt Free With a Debt Management Plan in New Jersey

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

How to Become Debt Free with A Debt Management Plan in Vermont

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 20, 2020

How to Become Debt Free with A Debt Management Plan in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 19, 2020

How to Consolidate Your Debts in Kansas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 19, 2020

How to Consolidate Your Debts in Kentucky

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