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Attorney Eva Bacevice

Attorney Eva Bacevice

Former Bankruptcy Attorney

Eva G. Bacevice graduated from the University of Michigan Law School in 2001. She practiced law for close to a decade in the area of consumer bankruptcy. She now works in higher education as an Academic Advisor for undergraduate students at the Stephen M. Ross School of Business, University of Michigan and has recently joined Upsolve as a content writer.


All ArticlesAfter BankruptcyBankruptcy BasicsBefore FilingCarsChapter 13Chapter 7DebtsDeciding To FileDivorceDuring Bankruptcy CaseHow To FileLeasesMeans TestProperty ExemptionsTaxes

Articles written by Attorney Eva Bacevice

Can I Amend My Bankruptcy Forms After I File?

Written by Attorney Jenni Klock Morel
Updated July 2, 2022

If you make a mistake or accidentally leave information out of your bankruptcy forms, you can almost always amend them after you file. The trustee in your bankruptcy case may also ask you to file an amendment after meeting with you in your 341 meeting. Be sure to fill out the amended forms carefully with the correct information and follow any local court rules to submit the amended forms. Most amended forms don't require a filing fee.

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When Is Chapter 7 Bankruptcy Better Than Chapter 13 Bankruptcy?

Written by Attorney Eva Bacevice
Updated June 29, 2022

Chapter 7 and Chapter 13 bankruptcy can both provide debt relief, but they have different timelines and eligibility requirements. People who have a lot of unsecured debt and don't make too much income to qualify often choose to file Chapter 7. People who make too much income to qualify for Chapter 7 or who own secured property like a home or car may file Chapter 13 instead.

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What Does "The Automatic Stay Has Been Lifted" Mean?

Written by Attorney Eva Bacevice
Updated June 23, 2022

The automatic stay is one of the main benefits of filing for bankruptcy. It provides the filer with immediate protection from their creditors, which means all collection calls have to stop, garnishments have to stop, and foreclosures can’t go forward. If the automatic stay is lifted, that means the bankruptcy filer loses all those protections.

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Can You File Chapter 13 Bankruptcy Online Yourself?

Written by Attorney Curtis Lee
Updated May 25, 2022

Though there are online services that claim they can help you file a Chapter 13 bankruptcy by yourself, the success rate for people who file Chapter 13 without a lawyer is low. That’s because Chapter 13 cases include multiple types of debts and a repayment plan that can last from three to five years. It's not uncommon for filers to experience issues or changes while their Chapter 13 bankruptcy case is open, and it can be difficult to deal with those without legal help.

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Can Bankruptcy Stop Eviction?

Written by Attorney Curtis Lee
Updated May 11, 2022

An automatic stay goes into effect as soon as you file bankruptcy. This temporarily stops all debt collection activity, including eviction actions, as long as the landlord hasn’t already received a judgment in their favor. The automatic stay isn’t a permanent solution, though. It’s only a temporary measure that may buy you some time to deal with the eviction or find other housing.

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What You Need To Know About Divorce and Bankruptcy

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 11, 2022

If you and your spouse get along, you can file Chapter 7 together before you get divorced. Doing so means you'll benefit from larger exemptions and you can wipe out marital debt to ease the divorce process. If you don't get along well, you may want to get divorced first and file your case individually later. Once you file your bankruptcy case, the automatic stay goes into effect, which will delay your divorce proceeding.

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How To Get a Reaffirmation Agreement in Chapter 7 Bankruptcy

Written by Attorney Paige Hooper
Updated May 11, 2022

To keep your car during and after a Chapter 7 bankruptcy, you sometimes need to sign a reaffirmation agreement with the lender and have it approved by the bankruptcy court. This agreement is a contract that confirms you're committed to continue paying your car loan after bankruptcy. It comes with a risk: If you fall behind on your car payments after your bankruptcy, your car may be repossessed and you may be left to pay a deficiency balance.

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How Long Does Chapter 13 Bankruptcy Take?

Written by Attorney Jenni Klock Morel
Updated April 6, 2022

Chapter 13 bankruptcy typically takes three to five years. During that time, you’ll be on a repayment plan to repay some or a portion of your debts. There are a few factors that will determine how long your Chapter 13 repayment plan will last, including your income. At the end of a successful Chapter 13 plan, the remainder of your dischargeable debts will be erased.

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What Are the New Jersey Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated April 1, 2022

Every state has its own set of bankruptcy exemptions. There is also a set of federal bankruptcy exemptions contained in the United States Bankruptcy Code. Several states, including New Jersey, allow residents to choose between taking the New Jersey bankruptcy exemptions and the federal exemptions. It’s important to note that you have to pick one set of exemptions and stick to it, you can’t pick and choose from both New Jersey exemptions and federal, rather go with the set that gives you the most protection. If you decide to go with the state exemptions you can also use the federal nonbankruptcy exemptions as a supplement, so long as you meet the qualifications.

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Texas Bankruptcy Exemptions

Written by Attorney Eva Bacevice
Updated April 1, 2022

The intent of bankruptcy is not to strip you of everything you own. Exemptions allow you to keep many, if not all, of of your belongings.

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What Are the Hawaii Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated April 1, 2022

When you file Chapter 7 bankruptcy, you get a fresh start without having to start from scratch. That's because you can use bankruptcy exemptions to protect your property and possessions. Hawaii filers can choose to use either the state or federal bankruptcy exemptions to protect their assets.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 31, 2022

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

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What Are the Alaska Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated March 31, 2022

Every individual state has its own set of bankruptcy exemptions available to residents. Bankruptcy exemptions also exist at the federal level in the United States Bankruptcy Code. Some states, including Alaska, allow their residents to choose between the state and federal exemptions. To be clear, you can’t pick and choose among all of the individual exemptions, rather you can decide which set you want to use, but then you are limited to the options within that set. If you decide to go with Alaska state exemptions, you can also supplement those with any federal nonbankruptcy exemptions that may apply.

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Credit Unions & Bankruptcy

Written by Attorney Eva Bacevice
Updated March 30, 2022

If you are a member of a credit union, there are some specific things to consider that are unique to this type of organization. Keep reading to learn how bankruptcy affects your credit union accounts.

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What Happens if I Transfer Property Before Filing Bankruptcy?

Written by Attorney Paige Hooper
Updated March 21, 2022

Transferring property includes selling it or giving it away. If you file bankruptcy, you have to report any property transfers in the two years before you filed on your bankruptcy forms. If the bankruptcy trustee finds that you fraudulent transferred any property, they can undo the transfer to get the property back and sell it to pay your creditors. Read on to learn more about property transfers and how to deal with them when filing bankruptcy.

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Can Attorney Fees Be Included in Bankruptcy?

Written by Your Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 24, 2022

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.

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Can I file bankruptcy without my spouse?

Written by Attorney Eva BaceviceLegally reviewed by Attorney Andrea Wimmer
Updated February 23, 2022

If you’re married, you can file bankruptcy with or without your spouse. Filing individually doesn’t mean your spouse won’t be impacted. Before you choose 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.

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Can I File Bankruptcy Even Though I’m Unemployed?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 22, 2022

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.

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How to File Chapter 7 with No Money?

Written by Attorney Andrea Wimmer
Updated February 8, 2022

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

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Can Bankruptcy Take Your 401(k) or IRA?

Written by Attorney Eva Bacevice
Updated January 26, 2022

Retirement accounts are almost always protected in a bankruptcy case. If you're considering filing, it’s best to keep your retirement assets where they are. Unless you can fully pay off all of your debts, taking money out of your retirement accounts to keep up usually only prolongs the inevitable.

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How Do I Protect My Retirement Assets?

Written by Attorney Eva Bacevice
Updated January 25, 2022

Most of your retirement accounts are fully protected in a bankruptcy case. Any ERISA-qualified retirement account is completely excluded from the bankruptcy estate. This means that there's no risk that the trustee could take the money in your retirement accounts to pay your creditors.

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I'm Expecting an Inheritance. Should I Still File for Bankruptcy?

Written by Attorney Eva Bacevice
Updated January 25, 2022

If you want to keep the inheritance in full it’s important to wait for at least 180 days before filing your bankruptcy.

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Illinois Bankruptcy Exemptions

Written by Attorney Eva Bacevice
Updated January 25, 2022

When you file bankruptcy, you won't lose everything you own. Exemptions allow you to keep many, if not all, of your belongings.

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What Are the Delaware Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated December 31, 2021

Each state has its own set of bankruptcy exemptions available to its residents. There is also a set of exemptions available at the federal level in the United States Bankruptcy Code, which is part of the U.S. Code or U.S.C., and each state can decide whether or not to offer the federal exemptions as an alternative option for filers. Only a minority of states offer a choice. Delaware, like the majority, has opted out of allowing its residents to use the federal bankruptcy exemptions. So, if you’re filing bankruptcy in Delaware, you’ll be limited to only using the Delaware state exemptions. You can, however, also use any of the federal nonbankruptcy exemptions if you qualify to supplement the state exemptions.

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Can I Get a Mortgage After Chapter 7 Bankruptcy?

Written by Attorney Eva Bacevice
Updated November 28, 2021

Yes, you can get a mortgage after a Chapter 7 bankruptcy. Lenders have their own requirements and waiting periods.

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Can I Get a Mortgage After Chapter 7 Bankruptcy?

Written by Attorney Eva Bacevice
Updated November 28, 2021

Yes, you can get a mortgage after a Chapter 7 bankruptcy. Lenders have their own requirements and waiting periods.

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Can I Buy a Car After Bankruptcy?

Written by Attorney Andrea Wimmer
Updated November 26, 2021

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

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How to File Bankruptcy Without a Lawyer?

Written by Attorney Eva Bacevice
Updated November 12, 2021

There's nothing that says you have to hire a lawyer to get bankruptcy relief. You can file bankruptcy without a lawyer either by yourself or with the help of a legal aid organization.

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Can filing bankruptcy stop a debt collection lawsuit against me?

Written by Attorney Eva Bacevice
Updated October 29, 2021

In most cases, yes. In fact, facing a possible judgment or receiving one in a debt collection case is often why you might decide to file for bankruptcy. A debt collection lawsuit is a civil lawsuit (not criminal). These most often occur if a creditor has filed a suit against you for non-payment of a debt which may lead to the creditor garnishing your paycheck.

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Will filing for Chapter 7 bankruptcy affect my spouse?

Written by Attorney Eva Bacevice
Updated October 2, 2021

If you’re filing for Chapter 7 bankruptcy and your spouse is not, you may be wondering whether they are going to be affected. The short answer is that if your debts are separate, their credit will not be impacted.

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I got my Chapter 7 discharge! Now what?

Written by Attorney Eva Bacevice
Updated October 1, 2021

Monitor your credit report, stick to a budget, live within your means, rebuild your credit and live your life with a fresh start!

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Spending Money Before Filing Chapter 7 Bankruptcy

Written by Attorney Eva BaceviceLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Have more money than you can protect with an exemption? Wondering what you can spend it on so the bankruptcy trustee won’t raise any eyebrows? This article explains how it’s possible to have “too much money” and what steps you can take to best protect your fresh start.

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What Are the North Carolina Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated January 20, 2021

Every state has its own set of bankruptcy exemptions. There’s also a set of federal exemptions contained in the United States Bankruptcy Code. Several states allow filers to choose whether to use state exemptions or federal bankruptcy exemptions, however, North Carolina doesn’t allow for the choice. If you’re a North Carolina resident filing bankruptcy, your only option is to use the North Carolina state bankruptcy exemptions. You can, however, use the federal nonbankruptcy exemptions in addition to the North Carolina state exemptions for any other federal protections available, either within a bankruptcy or not, beyond the state exemptions.

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How to get debt relief through personal bankruptcy

Written by Attorney Eva Bacevice
Updated November 30, 2020

Bankruptcy is a legal process to reorganize or eliminate - or discharge - someone’s obligation to pay all or some of their debts. The Bankruptcy Code provides both protections for filers and a system to treat creditors fairly under the law. Personal bankruptcy is a case filed by an individual (or married couple) to get relief from debt. This article will provide an overview of the two different types of personal bankruptcy and how each can provide you with a fresh start.

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Bankruptcy Case Dismissals & How To Avoid Them

Written by Attorney Andrea Wimmer
Updated October 20, 2020

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

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Can I fire my bankruptcy lawyer?

Written by Attorney Eva Bacevice
Updated October 20, 2020

In this article we will explore what you should consider to make an informed decision about whether and when to find a new bankruptcy lawyer.

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What Are the Kansas Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated October 20, 2020

Kansas does not allow filers to choose between using state exemptions and the federal exemptions. If you have lived in Kansas for more than two years you must use Kansas state exemptions in your bankruptcy case. If you do not meet the two-year (730-day) residency requirement, then you need to use the 180-day rule to determine which state’s rules apply. With the 180-day rule, you should look to where you lived for the majority of the 180 days before two years prior to your filing date. In other words, where you lived two and a half years ago. Once you have surpassed that two-year mark, however, you’re only able to use Kansas state exemptions. Married couples filing a joint bankruptcy together in Kansas can double most of the exemption amounts, so long as both spouses have an ownership interest in the property. Additionally, filers in Kansas can also use the protections offered by the federal nonbankruptcy exemptions along with their state exemptions.

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What To Do If Your Car Lender Won't Talk To You After Filing

Written by Attorney Eva Bacevice
Updated September 3, 2020

It is not uncommon to have a lender react this way after a bankruptcy filing. When you file a bankruptcy an automatic stay goes into effect, which means that creditors cannot continue in any collection efforts while the bankruptcy is ongoing.

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Will My Employer Find Out About My Bankruptcy?

Written by Attorney Eva Bacevice
Updated August 11, 2020

Your employer will most likely not find out about your bankruptcy case when you file.

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Will I lose my personal injury settlement award if I file for bankruptcy?

Written by Attorney Eva Bacevice
Updated August 11, 2020

Whether or not you can keep your personal injury settlement award when you file for bankruptcy depends on a number of different factors.

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I’m a 1099 Contractor. How is My Bankruptcy Different?

Written by Attorney Eva Bacevice
Updated August 7, 2020

Much of the bankruptcy process is the same for people who are a full-time employee and people who are contractors. However, there are a few differences. When your income is not regular or easily predicted, you must demonstrate that you are eligible to file and ensure that it makes sense to file when you do.

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What Are the Nevada Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated July 28, 2020

Nevada has opted out of the federal bankruptcy exemptions. This means that if you file for Chapter 7 bankruptcy in Nevada, presuming you fulfill the residency requirement, you must use the Nevada state exemptions for your bankruptcy case. There is one exception to this, which is if you have lived in Nevada for less than 730 days (two years), you don’t yet qualify to use the Nevada state exemptions. Instead, you’ll need to look back to where you lived during the 180 days before the two years prior to your filing, or roughly two and a half years ago. In either case, you will still have access to the federal nonbankruptcy exemptions in addition to your state exemptions.

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What are the Nebraska Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated July 28, 2020

Every state has its own set of bankruptcy exemptions under state laws. There is also a set of federal bankruptcy exemptions which can be found in the United States Bankruptcy Code. Some states allow their residents to choose between the state and federal exemptions. Nebraska, however, does not offer the choice to its residents. If you have lived in Nebraska for at least the last two years and you are filing for bankruptcy, you are limited to using the Nebraska state exemptions, but you can supplement those with any federal nonbankruptcy exemptions that apply. These additional exemptions are available whether or not you are in a bankruptcy case.

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What are the Louisiana Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated July 28, 2020

Every state has its own set of bankruptcy exemptions, which are available to residents who file bankruptcy in that state. There is also a set of federal exemptions available under the United States Bankruptcy Code. Each state can decide whether to allow its residents to choose between their state exemptions and the federal exemptions. Louisiana is an “opt-out” state, which means that residents are limited to using only the Louisiana state exemptions. Debtors filing in Louisiana can, however, use any of the federal nonbankruptcy exemptions that they qualify for as a supplement to the state exemptions.

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What are the Idaho Bankruptcy Exemptions?

Written by Attorney Eva Bacevice
Updated July 28, 2020

Every state has its own set of exemptions for bankruptcy cases. There is also a set of federal exemptions that are listed in the United States Bankruptcy Code. Each state gets to decide if they want to offer the federal bankruptcy exemptions as an alternative choice to their state exemptions. Idaho has opted out of the federal exemptions, which means that residents in Idaho are limited to using Idaho state exemptions in any bankruptcy case. Filers in Idaho can, however, supplement the state exemptions with the federal nonbankruptcy exemptions that protect benefits like federal laws protecting social security benefits from garnishment.

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Tax Credits and Bankruptcy

Written by Attorney Eva Bacevice
Updated July 22, 2020

Tax credits reduce the total tax owed by the individual or family claiming the credit. Many low-income families have all or a portion of such a tax credit refunded to them once their tax return is filed and their eligibility to claim the credit confirmed by the Internal Revenue Service. This article will review some of the most commonly used tax credits available to low-income individuals and how these credits are treated in a Chapter 7 bankruptcy.

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What are the federal nonbankruptcy exemptions and why does it matter?

Written by Attorney Eva Bacevice
Updated July 22, 2020

The federal nonbankruptcy exemptions are federal exemption laws that exist outside of the Bankruptcy Code and protect property from creditors even if no bankruptcy case has been filed. This article will explore how federal nonbankruptcy exemptions can protect your rights in a bankruptcy case and conclude with a brief overview of some of the most commonly used federal nonbankruptcy exemptions.

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Texas Chapter 7 Bankruptcy Income Limits

Written by Attorney Curtis Lee
Updated June 1, 2022

If you want to file Chapter 7 bankruptcy in Texas, you’ll have to pass a means test. This test compares your household income to the median income for similarly sized households in Texas to see if you have the “means” to pay back the debt you owe. If your income is below the income limit, you’re eligible to file Chapter 7 in Texas.

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Florida Chapter 7 Bankruptcy Income Limits

Written by Attorney Paige Hooper
Updated April 6, 2022

If your household income is less than Florida’s median income for your household size, you’ll qualify to file Chapter 7. If it’s higher, you’ll need to take the full means test and show that your expenses are high enough that you can’t afford to pay the debts you’re trying to eliminate.

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How To File Bankruptcy for Free in Ohio

Written by Chiara King
Updated April 4, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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California Chapter 7 Bankruptcy Income Limits

Written by Attorney Curtis Lee
Updated March 31, 2022

To be eligible to file Chapter 7 bankruptcy in California, you need to pass a means test. This looks at your household income to see if you’re able to pay back the debt you owe. Income limits are established based on the median household income for California households of the same size. If your income is below the income limit, you can file Chapter 7.

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How To File Bankruptcy for Free in Tennessee

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated March 23, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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How To File Bankruptcy for Free in Michigan

Written by Attorney Andrea Wimmer
Updated February 22, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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How to File Bankruptcy for Free in Pennsylvania

Written by Attorney Andrea WimmerLegally reviewed by Attorney Andrea Wimmer
Updated February 15, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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How To File Bankruptcy for Free in Washington

Written by Krishna Patel
Updated February 15, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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

Written by Attorney Eva Bacevice
Updated March 26, 2021

Figuring out the right debt relief solution is dependent on your financial circumstances and goals. Below we will help you determine whether a Texas debt management plan is right for you, and if so, how to make sure you are getting the best possible assistance and what to expect throughout the process. 

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How to Settle Your Debts in New York

Written by Attorney Eva Bacevice
Updated March 26, 2021

If debt settlement is an option that you want to explore further, then follow the below next steps to help determine if it will suit your debt management needs. If you do choose to pursue it, this article will walk you through the debt settlement process so that you can move forward with confidence.

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How to Settle Your Debts in Nevada

Written by Attorney Eva Bacevice
Updated March 26, 2021

If it turns out that a Nevada debt settlement is the right path for you then it’s important to understand how to get through the process. In this article, we will walk you step by step through the process, from the details to collect about both your debts and ability to settle them, to how to make your debt settlement work.

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How to Settle Your Debts in New Mexico

Written by Attorney Eva Bacevice
Updated March 26, 2021

Once you decide to pursue debt settlement in New Mexico your next challenge is figuring out how to go about it. Below we will discuss the debt settlement process, step by step. 

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What is the Bankruptcy Means Test in North Carolina?

Written by Attorney Eva Bacevice
Updated September 3, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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What is the Bankruptcy Means Test in Virginia?

Written by Attorney Eva Bacevice
Updated September 3, 2020

Please note that we don't operate in Virginia yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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How to Settle Your Debts in Virginia

Written by Attorney Eva Bacevice
Updated February 25, 2020

To make an informed decision about pursuing debt settlements, you’ll want to start by collecting all the details about both your debts and your ability to make payments. In this article, we will help you determine if you're a good candidate for debt settlement as well as explain what to expect at each step along the way. 

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How to Settle Your Debts in Vermont

Written by Attorney Eva Bacevice
Updated February 25, 2020

If you're interested in moving forward with debt settlement in Vermont, read on to better determine whether you're a good candidate for this debt relief option. This piece will give you a strong sense of all steps in the debt settlement process and of some common debt management alternatives also worthy of your consideration.

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How to Settle Your Debts in Tennessee

Written by Attorney Eva Bacevice
Updated February 25, 2020

If you decide to move forward with debt settlement in Tennessee, you’ll want to make sure that you're confident it's a good debt relief option for your current situation. Below, we will help you learn how to figure that out, as well as what to expect throughout the debt settlement process.

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How to Settle Your Debts in South Dakota

Written by Attorney Eva Bacevice
Updated February 24, 2020

Below, you’ll learn more information designed to help you decide whether the debt settlement process may be a good fit for you. We’ll share details about the process itself and give a brief overview of other debt management options.

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How to Settle Your Debts in New Hampshire

Written by Attorney Eva Bacevice
Updated February 24, 2020

In this article, we will give you tools to help determine if debt settlement could be right for you. We will then walk you through the debt settlement process, step by step, so that you know what to expect and how to move forward with the least risk and the best chance for success. 

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

Written by Attorney Eva Bacevice
Updated January 13, 2020

For people in the right financial situation, a Minnesota debt management plan can be a great way to become debt-free. If this is a solution you want to pursue, we will let you know how to find a reputable credit counseling agency, what to expect, discuss what factors go into your decision and how to set up and maintain your Minnesota DMP payments. 

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How to Become Debt Free With a Debt Management Plan in North Dakota

Written by Attorney Eva Bacevice
Updated January 3, 2020

Despite the risks discussed above it is possible to become debt-free using a North Dakota DMP. Below we will discuss how to find the right credit counseling organization, what to expect from your counseling session, and how to set up, maintain and succeed in your plan.

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How to Become Debt Free With a Debt Management Plan in Rhode Island

Written by Attorney Eva Bacevice
Updated January 3, 2020

Depending on your financial circumstances your best path to becoming debt-free could be through a Rhode Island debt management plan. Below we will give you more detail on when a Rhode Island DMP may be your best debt solution and how to go about finding a good partner credit counseling organization for assistance and what to expect every step along the way.

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How to Become Debt Free With a Debt Management Plan in South Dakota

Written by Attorney Eva Bacevice
Updated January 3, 2020

If it turns out that a South Dakota debt management plan is a good fit for you to become debt-free we can walk you through the steps to find a reputable credit counseling agency as well as what to expect and how to feel confident in your decision. We can also help you to understand how to put together your South Dakota debt management plan, begin payments and stay current throughout your timeline.

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How to Get Free Credit Counseling in North Carolina

Written by Attorney Eva Bacevice
Updated December 4, 2019

Getting free credit counseling in North Carolina is simple. Just follow these five steps to start on the path of better money management.

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How to Get Free Credit Counseling in Oklahoma

Written by Attorney Eva Bacevice
Updated November 30, 2019

There are steps that you can take to help you find a reputable nonprofit credit counseling service in Oklahoma including knowing where to start and how to narrow down your options with some online research. We will also help you feel confident in your choice by suggesting questions to ask before you attend your appointment with an Oklahoma credit counselor and what to expect during and after the meeting. 

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How to Get Free Credit Counseling in Oregon

Written by Attorney Eva Bacevice
Updated November 30, 2019

Below we will discuss how to find free credit counseling in Oregon, going over how to choose the right organization for you, including what online research you can do and what questions to ask before scheduling an appointment. We will then walk you through what to expect during your credit counseling session and go over the different recommendations that you are likely to receive.

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How to Get Free Credit Counseling in Ohio

Written by Attorney Eva Bacevice
Updated November 30, 2019

In this article, we will help you find free credit counseling in Ohio. We will provide you with action steps to help you find the right nonprofit Ohio credit counseling agency including important red flags to avoid, what you can do to research them on your own, what questions to ask to make sure you found the right fit, what to expect when you attend a meeting and likely next steps. 

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How to Get Free Credit Counseling in Arkansaas

Written by Attorney Eva Bacevice
Updated November 30, 2019

It is possible to find reputable free credit counseling in Arkansas by following the five-step process below. This will include suggestions on how to find the right agency, how to make sure they are reputable, what questions to ask to make sure it is a good fit, what to expect and what are the next steps.

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How to Get Free Credit Counseling in Arizona

Written by Attorney Eva Bacevice
Updated November 30, 2019

There are five steps to follow to get free credit counseling in Arizona. We will walk you through how to find a reputable nonprofit organization, what you can research in advance, what questions to ask when you are making a decision, what to expect during your meeting and what happens after. 

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How to Get Free Credit Counseling in Alaska

Written by Attorney Eva Bacevice
Updated November 30, 2019

There are some simple steps that you can take to find and get the most out of free credit counseling in Alaska through a reputable nonprofit credit counseling organization. We will begin by helping you find a reputable consumer counseling service, help you feel confident in your selection by sharing good areas to research in advance and questions to ask before you go, as well as what to expect from your credit counseling session and what steps may follow.

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How to Get Free Credit Counseling in Alabama

Written by Attorney Eva Bacevice
Updated November 24, 2019

Below we will discuss how to find a nonprofit Alabama credit counseling agency, talk about what things you can research in advance before you speak with the nonprofit organization, and suggest some questions to ask before you sign up. If you decide to meet with an Alabama credit counseling organization we will also discuss what to expect and explain a bit more about the likely recommendations for the next steps.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.