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 New York
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated January 15, 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.
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.
How To File Bankruptcy for Free in Georgia
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Paige Hooper
Updated January 5, 2026
Filing Chapter 7 bankruptcy in Georgia without a lawyer is possible and can help wipe out credit card debt, medical bills, and other unsecured debts. This step-by-step guide explains how to complete the process on your own, from gathering documents and taking required courses to filing forms with the court and attending your 341 meeting. It also includes details about Georgia-specific rules, exemptions, and the three bankruptcy court districts. Many people who file on their own qualify to use Upsolve’s free filing tool, which simplifies the paperwork.
Repossession Laws in Iowa
Written by Krishna Patel. Legally reviewed by Jonathan Petts
Updated November 20, 2025
In Iowa, your car can be repossessed if you're more than 10 days late on a payment or if you break other terms of your loan. Before the lender takes your car, they usually must send you a right-to-cure notice giving you 20 days to fix the problem. If the car is repossessed, you may still owe money if the sale doesn't cover the full loan balance and fees. Iowa law offers some protections during this process.
Repossession Laws in Kansas
Written by Krishna Patel. Legally reviewed by Jonathan Petts
Updated November 7, 2025
In Kansas, a lender can start the repossession process if you're more than 10 days late on your car payment, but they must first send a written notice giving you 20 days to catch up. If you don’t pay by the deadline, your car can be taken without a court order, as long as the repo company doesn’t breach the peace. After repossession, the lender may sell your car and can try to collect any remaining loan balance from you if the sale doesn’t cover everything you owe. You may be able to avoid repossession or reduce added fees by working with your lender early or considering Chapter 7 bankruptcy, which can temporarily pause collection efforts.
