Krishna Patel is a writer and attorney. She is licensed to practice in New York and received her J.D. at Georgetown University Law Center. While in law school, Krishna worked in a clinic that helped low-income renters purchase their apartments and incorporate their building into a co-op. She loved the clinic’s intention to help build generational wealth in addition to providing immediate assistance. Krishna spent a decade paying off high interest student loans and understands the emotional cage that debt can represent. She hopes her contributions to Upsolve can encourage readers seeking to improve their financial situation. Krishna lives in Queens, NY with her husband and toddler.
Articles written by Krishna Patel
Can You File Bankruptcy and Keep Your House?
Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated November 3, 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.
Read More →How To File Bankruptcy for Free in Hawaii
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated March 3, 2026
This guide explains how to file for Chapter 7 bankruptcy for free in Hawaii, even if you're not using a lawyer. It walks you through each step, from gathering documents to attending your court meeting. You’ll learn how to take the required courses, fill out the forms, and protect your property using exemptions. If your case is simple, you may qualify to use Upsolve’s free online tool to prepare and print your bankruptcy forms.
How To File Bankruptcy for Free in New York
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated March 2, 2026
Filing Chapter 7 bankruptcy in New York can help you erase certain debts and get a financial fresh start — and many people do it without a lawyer or filing costs. The process includes gathering documents, completing two credit courses, filling out forms, and filing them with the court. You’ll also attend a brief meeting with a bankruptcy trustee and decide how to handle property like your car. New York offers both state and federal exemptions to help you keep essential belongings. If your case is simple, you may qualify to use Upsolve’s free tool to file without paying attorney fees.
How To File Bankruptcy for Free in New Jersey
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated March 2, 2026
This guide shows you how to file Chapter 7 bankruptcy for free in New Jersey without paying for a lawyer. It takes you step by step through gathering documents, completing required courses, and filling out and filing your forms. You’ll also learn about New Jersey-specific rules, the means test, and how exemptions can protect property like your car or household belongings. If your case is simple, you may even qualify to use Upsolve’s free filing tool to make the process easier.
How To File Bankruptcy for Free in Washington
Written by Attorney Eva Bacevice, Krishna Patel. Legally reviewed by Jonathan Petts
Updated March 2, 2026
This guide shows you how to file Chapter 7 bankruptcy for free in Washington without hiring a lawyer. It walks you step by step through gathering documents, taking required courses, completing and filing your forms, and covering the court fee. You’ll also learn about Washington-specific requirements, exemptions, and options for keeping property like your car or home. If your case is simple, you may even be able to use Upsolve’s free filing tool to make the process easier.
Repossession Laws in Indiana
Written by Krishna Patel. Legally reviewed by Attorney Tina Tran
Updated January 9, 2026
In Indiana, your car can be repossessed after just one missed payment if your loan is in default — and lenders don’t have to warn you ahead of time. Repossession agents are allowed to take the car without a court order, as long as they don’t cause a disturbance or break the law while doing it. Even after repossession, you may still owe money if the car sells for less than what you owe, and extra fees may be added to your balance.
