Kristin is a recipient of Harvard Law School’s Public Welfare Foundation A2J Tech Fellowship. At Harvard Law, she served as a member of the Harvard Defenders, the Women’s Law Association, and the Harvard Law Negotiation Review. She was the 2016 – 2017 president of the Harvard Black Law Students Association and a semifinalist in Harvard Business School’s New Venture Competition 2016. She holds a B.A. in political science from the University of Southern California and served on the executive committee for the Harvard Law School Association. Before Upsolve, Kristin spent time at White & Case LLP in Palo Alto, Public Defender Service in Washington DC, and the Department of Justice, specializing in Human Rights. Kristin was an invited speaker at the Legal Service Corporations’s 2019 Innovations in Technology Conference.
Articles written by Kristin Turner, Harvard Law Grad
Chapter 7 Means Test Calculator
Written by Attorney Andrea Wimmer.
Updated November 5, 2024
The Chapter 7 means test is the analysis that determines whether you're eligible to file Chapter 7 bankruptcy. It’s called the bankruptcy means test because, at its most basic level, it looks at whether someone has the means (ability) to pay their debts. The means test has two main steps, but if you "pass" the first step, you don't have to do the second step. In the first step, you'll compare your income to the median income in your state based on the size of your household. If you don't "pass" the first step, you can move on to the second step, which takes your expenses into account as well.
Read More →What Happens After You File for Bankruptcy?
Written by Attorney Jenni Klock Morel.
Updated October 30, 2024
After you file for bankruptcy, the court immediately issues an automatic stay, which stops most collection actions. Your case is assigned to a trustee who reviews your financial situation and oversees the sale of non-exempt assets in Chapter 7 cases. You'll attend a meeting of creditors, where you answer questions under oath about your finances. If your filing is approved, your eligible debts are discharged, meaning you don’t have to repay them.
Read More →How Much Does It Cost To File Bankruptcy?
Written by Attorney Jenni Klock Morel. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2024
It can cost as little as $400 to file for bankruptcy or up to as much as $3,000 or more if you hire a bankruptcy lawyer. Bankruptcy costs include court filing fees, credit counseling course fees, and attorney fees if you hire a bankruptcy lawyer. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or Chapter 13 bankruptcy.
Read More →How To Stop Wage Garnishment Immediately
Written by Attorney Andrea Wimmer.
Updated October 16, 2024
There are four direct ways you can take action to stop a wage garnishment: 1. Try to negotiate a payment plan with your creditor(s) or settle your debt. 2. Challenge the wage garnishment in court. 3. File for bankruptcy to stop the garnishment fast. 4. Reach out to a nonprofit to ask for financial assistance. Having your wages garnished reduces your disposable income and can feel very stressful. But remember, you have rights and there are ways to stop the garnishment.
Read More →What Is Chapter 13 Bankruptcy?
Written by Attorney Andrea Wimmer.
Updated October 15, 2024
Chapter 13 bankruptcy can help provide debt relief for folks who make too much money to qualify for Chapter 7. At its core, it reorganizes your debt to allow you to pay back as much as you can handle over a 3–5-year payment plan. After you make all your plan payments and meet all the other requirements, the bankruptcy court will enter a discharge, which wipes out your remaining eligible debt.
Read More →How Do You Answer a Summons for Debt Without an Attorney?
Written by Jonathan Petts.
Updated August 21, 2024
If you receive a summons and complaint from a debt collector or creditor, it means you’re being sued for unpaid debt. It’s important to respond to (or answer) the lawsuit. You do this by filing official paperwork with the court. Be sure to address every point in the complaint, raise any defenses you have, and file the paperwork within the time frame provided. Debt collectors are counting on you not to answer the lawsuit so that they can win by default. Don’t be intimidated! Take control and learn how to file an answer by reading this guide. You do not need an attorney to answer a debt collection lawsuit successfully.
Read More →What Are Bankruptcy-Friendly Credit Cards?
Written by Lawyer John Coble.
Updated August 20, 2024
It’s important to rebuild your credit after a bankruptcy. The good news is that you’ll get plenty of offers for credit after your bankruptcy discharge. The bad news is that some of those offers won’t be great, with high interest rates or hidden fees. If you want to rebuild your credit, you need to find the right card to work for you. Read on to learn about some of your options.
Read More →How To Find a Bankruptcy Attorney Near Me
Written by Jonathan Petts.
Updated August 19, 2024
Tips for finding a bankruptcy attorney.
Read More →What Are the Pros and Cons of Filing Chapter 7 Bankruptcy?
Written by Attorney Andrea Wimmer.
Updated May 21, 2024
The main pros to Chapter 7 are that you can receive immediate relief from collection actions (due to the automatic stay) as well as permanent relief from debts if your bankruptcy is discharged. The main cons to Chapter 7 bankruptcy are that most secured debts won’t be erased, you may lose nonexempt property, and your credit score will likely take a temporary hit. Filing for bankruptcy is a very effective way to eliminate debt and get a fresh start. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy.
Read More →What Is Chapter 7 Bankruptcy & When Should I File?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated May 21, 2024
Chapter 7 bankruptcy is a common legal process to clear your debt, but it’s not right for everyone. One good question to ask yourself if you’re considering Chapter 7 bankruptcy: Do I have more debt than I’ll ever be able to pay back, given my current income and property? If the answer is "yes," then Chapter 7 bankruptcy may be the right option.
Read More →What Goes Into a Credit Score?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2024
Your credit score is determined by several factors, including payment history, how much of your credit you're using, what types of credit you have, how long your credit history is, and how much new credit you've applied for recently. Your score helps lenders understand how well you manage credit as a borrower. You can proactively work to improve your credit score and build a strong financial future.
Read More →What are the alternatives to Chapter 7 bankruptcy?
Written by Attorney Andrea Wimmer.
Updated April 19, 2024
Bankruptcy is not right for everyone or every situation. If you're not sure whether bankruptcy is right for you, knowing what alternatives are available to give you some relief from your debts is a critical part of making the right decision for you and your family. Let's take a look at some of the most common bankruptcy alternatives.
Read More →Debt Relief Programs and Financial Resources for Veterans
Written by Attorney Jenni Klock Morel.
Updated April 19, 2024
There are many debt-relief programs and resources for veterans and active-duty service members alike. Some focus on helping military personnel with homeownership while others focus on managing your finances and debts. It’s especially important for active-duty military members to keep their finances in order. This will help you get or maintain security clearances. This article covers the most common debt relief programs and financial resources for veterans and active-duty service members.
Read More →Chapter 7 Bankruptcy: What Can You Keep?
Written by Jonathan Petts.
Updated March 27, 2024
Exemptions are the laws that designate what property you can keep during and after your bankruptcy. Chapter 7 bankruptcy exemptions allow most filers to protect all their property during their bankruptcy case. Property includes everything from you home and car to household goods and personal items.
Read More →Understanding the Brunner Test: Can You Discharge Your Student Loans in Bankruptcy?
Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated January 24, 2024
You can discharge your student loans in bankruptcy if you can prove that repaying the loans is causing (and will continue to cause) “undue hardship.” To determine this, bankruptcy courts and judges use what’s called the Brunner test. The test involves establishing whether you: - Would be unable to maintain a minimal standard of living while repaying student loans - Are suffering from circumstances that will make repayment a hardship for the remainder of the student loan term (or permanently) - Have made good faith efforts to repay the student loan(s) The Brunner test is complex. In the past, courts had little guidance to define “undue hardship,” beyond the somewhat vague Brunner test. Late last year, the Department of Justice and Department of Education released new guidelines to clarify this process for federal student loan borrowers.
Read More →Five Essential Tips to File Chapter 7 Bankruptcy
Written by Kristin Turner, Harvard Law Grad.
Updated November 15, 2023
Chapter 7 bankruptcy does not have to be complicated. Follow these 5 essential tips to make sure you have a successful case.
Read More →What Is the Chapter 7 Bankruptcy Timeline?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023
Filing for Chapter 7 bankruptcy can be an intimidating and daunting process. Especially if it's not something you've ever dealt with before, you may not know where to begin or how it ends. Here is an overview of what to expect as you prepare for your Chapter 7 bankruptcy and what happens after your case has been filed with the bankruptcy court.
Read More →What Is the Chapter 7 Bankruptcy Timeline?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023
Filing for Chapter 7 bankruptcy can be an intimidating and daunting process. Especially if it's not something you've ever dealt with before, you may not know where to begin or how it ends. Here is an overview of what to expect as you prepare for your Chapter 7 bankruptcy and what happens after your case has been filed with the bankruptcy court.
Read More →How Many Steps Are There From Start to Finish Before I File?
Written by Kristin Turner, Harvard Law Grad.
Updated September 19, 2023
There are seven pre-filing steps, and we will guide you every step of the way.
Read More →10 Tips for DIY Bankruptcy Chapter 7
Written by Kristin Turner, Harvard Law Grad.
Updated August 11, 2023
Looking for a way to do a DIY Chapter 7 Bankruptcy? Here’s 10 tips to make sure you DIY Chapter 7 bankruptcy goes off without a hitch.
Read More →How Bankruptcy Affects Credit Score
Written by Kristin Turner, Harvard Law Grad.
Updated August 10, 2023
There are a lot of misconceptions about the ways bankruptcy affects credit score. In this article, we'll dispel some of these myths and provide information on how to improve your credit score after bankruptcy.
Read More →How to Stop Debt Collection Companies?
Written by Kristin Turner, Harvard Law Grad.
Updated August 9, 2023
Do you want to stop debt collection companies? You may need to do more than to request that they stop contacting you.
Read More →How to Get a Free Bankruptcy Consultation in New York?
Written by Kristin Turner, Harvard Law Grad.
Updated August 8, 2023
How to find a free Chapter 7 bankruptcy consultation in New York City. A bankruptcy attorney will help you decide between Chapter 7 and Chapter 13.
Read More →Do I Qualify for Bankruptcy?
Written by Kristin Turner, Harvard Law Grad.
Updated August 8, 2023
Do you qualify for bankruptcy? There are a lot of things to consider, and we try to break it down for you. At Upsolve, we provide free Chapter 7 bankruptcy services for those in need of a fresh start.
Read More →Every Type of Bankruptcy Explained
Written by Kristin Turner, Harvard Law Grad.
Updated August 8, 2023
There are six different types of bankruptcies. Chapter 7 and Chapter 13 are the most common types of personal bankruptcy. Chapter 7 is also called a liquidation. It allows the filer to get rid of most of their debts without repaying anything. It works best for individuals without assets like a home. Chapter 13 bankruptcy puts the filer on a repayment plan and can help protect assets like a home. The goal of personal bankruptcies like Chapter 7 and 13 is to give the filer a financial fresh start and relieve them of debt they may never be able to repay. Businesses, farmers, and municipalities can also file bankruptcy under Chapters 9, 11, 12, and 15. These less common types of bankruptcy may be used to restructure or reorganize debt.
Read More →Is Upsolve real? Is this a legitimate service?
Written by Attorney Andrea Wimmer.
Updated August 1, 2023
Yes! Upsolve is 100% a legitimate service! We are a small mission-driven team of dedicated individuals, focused on a single goal: Helping low-income Americans struggling with too much debt get a fresh start by filing a Chapter 7 bankruptcy.
Read More →Can Filing Bankruptcy Help With a Repossession?
Written by Attorney Paige Hooper.
Updated July 25, 2023
So long as your car hasn’t already been auctioned or sold, filing bankruptcy can help stop repossession. If you file Chapter 7, the automatic stay gives you time to negotiate new, more affordable loan terms with your car lender. It can also get rid of a deficiency judgment if your car is repossessed and sold. Filling Chapter 13 can help you reorganize your auto loan debt to get a more affordable monthly payment and spread out past-due payments over several years.
Read More →What Happens to Your Tax Refund in Bankruptcy
Written by Attorney Paige Hooper.
Updated July 20, 2023
Refunds for taxes you paid on income you earned before you filed your bankruptcy case, will be part of your bankruptcy estate. If you receive your refund and spend it on necessary expenses before you file bankruptcy, it doesn’t become a part of your bankruptcy estate. But if you hold on to the money, the trustee may be able to access the funds if they aren't protected by an exemption. In Chapter 7, refunds for taxes you paid after you filed bankruptcy aren’t part of your estate. But in Chapter 13, your estate includes all the tax refunds you receive during your 3-5 year payment plan. You can avoid turning future refunds over to your trustee by adjusting your tax withholding so you don’t overpay your income taxes.
Read More →What if I Can’t Afford To Pay a Judgment Against Me?
Written by Attorney Andrea Wimmer.
Updated July 17, 2023
If a creditor or debt collector has sued you and gotten a court judgement against you, you have three main options: 1. You can pay the debt. You may be able to negotiate a voluntary payment plan with the debt collector. 2. You can file to have the judgment vacated or removed. 3. You can file bankruptcy to discharge the debt and stop all collection efforts, including those related to a court judgment.
Read More →What is an Emergency Bankruptcy Filing?
Written by Attorney Paige Hooper.
Updated July 12, 2023
An emergency bankruptcy filing is when you file only the minimum required forms to get a bankruptcy case going. It helps you file your case quickly. Emergency filings are helpful if you need to stop serious collection measures like repossession, foreclosure, or wage garnishment. Once you file an emergency bankruptcy case, you need to complete the remaining paperwork within 14 days or you risk having your case dismissed.
Read More →Can Upsolve Help Me Get My Student Loans Discharged?
Written by Kristin Turner, Harvard Law Grad.
Updated June 26, 2023
Potentially, yes! Upsolve may be able to help you get your student loans discharged if you are already filing your Chapter 7 bankruptcy using our free filing tool.
Read More →Which states allow me to use the federal bankruptcy exemptions?
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023
Find out which states allow filers to choose between their state's exemptions and the federal bankruptcy exemptions.
Read More →How Can I Find a Free Bankruptcy Lawyer in New York City?
Written by Kristin Turner, Harvard Law Grad.
Updated April 10, 2023
If you're looking for an affordable bankruptcy lawyer, look no further. Upsolve is a nonprofit that helps low-income Americans get the fresh start they need through Chapter 7 bankruptcy. We'll also help you look at other resources for affordable bankruptcy lawyers.
Read More →What is the difference between an EIN, TIN, and ITIN?
Written by Kristin Turner, Harvard Law Grad.
Updated March 22, 2023
The acronyms EIN, TIN, and ITIN are used by the IRS to identify the different types of tax ID numbers. The main difference between an EIN and an ITIN or TIN is that an EIN is used for business entities while an ITIN is used for individuals. TIN is an umbrella term for the various kinds of taxpayer identification numbers.
Read More →How do I find out if I'm required to file taxes?
Written by Kristin Turner, Harvard Law Grad.
Updated February 3, 2023
Federal Taxes: All taxpayers are eligible to claim a standard deduction from their taxable income. This amount is based on your filing status and household size. State Taxes: If you are required a Federal Tax return, you usually need to file a state tax return as well.
Read More →What Is Community Debt?
Written by Kristin Turner, Harvard Law Grad.
Updated July 2, 2022
Community debt is any debt that you or your spouse incur while married or any debt for which you and your spouse are co-signers. There are 10 community property states where spouses or legal partners may have community debt. This article outlines the 10 community property states and how having community debt may affect your bankruptcy filing.
Read More →How Does Bankruptcy Affect My Retirement?
Written by Attorney Paige Hooper.
Updated June 17, 2022
Because retirement accounts are protected by exemptions, most people who file bankruptcy keep all their existing retirement savings. Many types of retirement accounts have an unlimited exemption amount, but some — like IRAs — are limited. Social Security benefits are also exempt, but the funds can't be commingled. You must keep them in a separate account.
Read More →If a Creditor Was Charged Off, Do I Still Need To List Them?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022
Just because a creditor has charged off a debt doesn't mean that you don’t owe it anymore. That's why you'll still need to list the creditor on your bankruptcy forms. Having a debt charged off only means that the creditor has decided the debt is uncollectible for accounting purposes.
Read More →If I Have a Debt That's Not Dischargeable, Should I Still List It?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022
Yes. You must list every debt you have on your forms. The court needs to know about all of them.
Read More →I Don’t Have the Names of My Doctors. Is That Okay?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022
Yes, that's fine. Just do your best when you write down the names, addresses, and amounts owed to your creditors. If possible, please Google around to find info you don't know off the top of your head.
Read More →Should I Choose Federal or State Bankruptcy Exemptions?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022
The exemptions you choose will play a big role in determining how much of your stuff the trustee can sell to repay your creditors. Most Upsolve users select the federal exemptions, but the choice that's right for you will depend on your answers to two questions.
Read More →Can I Buy a House After Bankruptcy?
Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022
There are multiple financing options available to buyers post-bankruptcy. The most important step is to make the most of your waiting period before you apply for a loan.
Read More →How can I surrender my car in Chapter 7 bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated April 12, 2022
"Surrendering" your car means that you give it back to the lender that gave you the loan to purchase it. If you surrender your car as part of your Chapter 7 bankruptcy, any debt that you owe on it will be eliminated when you receive your bankruptcy discharge.
Read More →How can I surrender my car in Chapter 7 bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated April 12, 2022
"Surrendering" your car means that you give it back to the lender that gave you the loan to purchase it. If you surrender your car as part of your Chapter 7 bankruptcy, any debt that you owe on it will be eliminated when you receive your bankruptcy discharge.
Read More →Federal Bankruptcy Exemptions Explained
Written by Attorney Andrea Wimmer.
Updated March 31, 2022
The laws that protect your property from creditors are called exemptions. The exemptions listed in the Bankruptcy Code are called federal bankruptcy exemptions.
Read More →Should I File Bankruptcy Before Getting Married?
Written by Attorney Andrea Wimmer.
Updated March 9, 2022
If you’re planning to get married and you also need to deal with debt, you’re probably wondering when to file bankruptcy and how it will affect your spouse. There are pros and cons to filing for bankruptcy before marriage as well as filing after marriage. If you want to start your marriage with a clean financial slate and you qualify for Chapter 7, that’s a relatively quick way to achieve that goal. If you already have joint debts with your spouse-to-be, you may want to file after you get married to take advantage of more generous exemptions.
Read More →Where Can I Get Taxes Done for Free?
Written by Kristin Turner, Harvard Law Grad.
Updated January 26, 2022
If you need help filing your taxes, the IRS has free tax help centers available.
Read More →Will My Bankruptcy Affect My Child's 529 College Saving Plan?
Written by Kristin Turner, Harvard Law Grad.
Updated January 26, 2022
If you've deposited funds into a 529 College Savings Plan for your child, you probably want to know how filing bankrtupcy will affect them. Whether the funds are protected will depend on how long ago you deposited them.
Read More →Can I Keep the Money if I Win a Lawsuit After Filing?
Written by Kristin Turner, Harvard Law Grad.
Updated January 26, 2022
If you file for Chapter 7 bankruptcy, your state's exemption law will determine whether you can keep the money from a lawsuit. Be prepared to give it up unless your state exemption law specifically says that you can keep the award.
Read More →Should I List My PayPal Account?
Written by Kristin Turner, Harvard Law Grad.
Updated January 26, 2022
If you have a PayPal Credit account, you should list it as a creditor on your bankruptcy forms. If it's a standard PayPal account without any lines of credit, list it as a checking account in the financial accounts section.
Read More →How Much Money Is Considered a Gift?
Written by Kristin Turner, Harvard Law Grad.
Updated January 26, 2022
The bankruptcy forms ask whether you gave gifts with a total value of more than $600 per person in the two years before you filed for bankruptcy.
Read More →How Do I Value My Pet?
Written by Kristin Turner, Harvard Law Grad.
Updated January 25, 2022
If you're filing for Chapter 7 bankruptcy protection, you're required to include your pets in the schedules. While your pets are priceless, your bankruptcy trustee needs to know if they can be sold for more than the allowable exemption amount. Unless you have a rare, purebred, champion show animal with breeding rights that can generate income, it's not likely your pets will be worth more than what you can exempt.
Read More →How Can I Get Debt Collectors To Stop Calling Me?
Written by Kristin Turner, Harvard Law Grad.
Updated December 11, 2021
If you file for Chapter 7 bankruptcy, you can tell bill collectors that your filed, and they must stop calling you under the law.
Read More →6 Steps To Stop Wage Garnishment After Filing Bankruptcy
Written by Attorney Andrea Wimmer.
Updated December 8, 2021
Wage garnishments have to stop immediately once your case is filed but you should allow time for the creditor to provide your employer with the necessary paperwork to actually cause the stop. If your case is filed the day before your next payday, chances are you're paycheck will still be garnished, as the payroll has already been processed. However, you'll get that money back.
Read More →What is Legal Aid and Why Does it Exist
Written by Kristin Turner, Harvard Law Grad.
Updated November 29, 2021
Legal aid and pro bono attorneys can help you get through your bankruptcy filing. Find out how they work and why they exist.
Read More →What Is a Bankruptcy Trustee?
Written by Attorney Andrea Wimmer.
Updated November 13, 2021
The bankruptcy trustee doesn’t represent the filer and they don’t represent any specific creditor. They review the filer's forms and conduct the creditors' meeting.
Read More →What are the Florida Bankruptcy Exemptions?
Written by Kristin Turner, Harvard Law Grad.
Updated November 6, 2021
If you're a debtor filing for bankruptcy and you live in Florida, you'll be using the Florida bankruptcy exemptions to protect your property.
Read More →If I file for bankruptcy, will it hurt my co-signer’s credit score?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2021
No. A co-signer’s social security number will not be involved, and the bankruptcy does not go on their credit.
Read More →If I file for bankruptcy, will it hurt my co-signer’s credit score?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2021
No. A co-signer’s social security number will not be involved, and the bankruptcy does not go on their credit.
Read More →How To Stop Wage Garnishment With Bankruptcy in New York?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 19, 2021
If you live in New York and your wages are being garnished, bankruptcy may be able to help you keep your paychecks and stop wage garnishment.
Read More →How To Stop Wage Garnishment With Bankruptcy in New York?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated October 19, 2021
If you live in New York and your wages are being garnished, bankruptcy may be able to help you keep your paychecks and stop wage garnishment.
Read More →Is a bankruptcy discharge public record?
Written by Kristin Turner, Harvard Law Grad.
Updated October 2, 2021
There are a few, limited ways that your bankruptcy becomes public record.This alone shouldn't stop you from choosing to file for bankruptcy.
Read More →Will My Landlord Be Notified That I Filed for Bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 15, 2021
Your landlord will be notified when you file for bankruptcy if you're on a lease. If you are on a month-to-month rental agreement, then the landlord won't be notified that you filed.
Read More →Will My Landlord Be Notified That I Filed for Bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated September 15, 2021
Your landlord will be notified when you file for bankruptcy if you're on a lease. If you are on a month-to-month rental agreement, then the landlord won't be notified that you filed.
Read More →Should I List My Student Loans Even if They Can't Be Erased?
Written by Kristin Turner, Harvard Law Grad.
Updated September 15, 2021
Yes. You should include all your debts on your bankruptcy forms, even if some cannot be erased.
Read More →A Creditor Is Suing Me. What Should I Do?
Written by Kristin Turner, Harvard Law Grad.
Updated August 27, 2021
When you file your bankruptcy paperwork, you will need to mention any lawsuits creditors have brought against you.
Read More →Can You File Bankruptcy if You Haven't Filed Tax Returns?
Written by Kristin Turner, Harvard Law Grad.
Updated August 20, 2021
To file bankruptcy, you'll need to have filed your last two years of tax returns if you were employed and required to do so. If you weren't employed or required to file taxes, you don't need to worry about filing tax returns before filing bankruptcy.
Read More →Bankruptcy Credit Counseling & Financial Management Courses
Written by Attorney Andrea Wimmer.
Updated January 5, 2021
If you’re filing bankruptcy to wipe away your debt you’ll need to take two educational courses. A credit counseling course before filing your case and a financial management course after filing.
Read More →My case was dismissed. When can I refile a new case or reopen my case?
Written by Kristin Turner, Harvard Law Grad.
Updated December 30, 2020
As soon as a bankruptcy case is dismissed, the automatic stay ends and collections can resume. You can either reinstate your case or file a new bankruptcy one.
Read More →Where Can I Find Free Bankruptcy Chapter 7 Forms?
Written by Kristin Turner, Harvard Law Grad.
Updated December 1, 2020
Filing for bankruptcy can seem confusing, and the paperwork itself can be daunting. Find the bankrutpcy forms for free.
Read More →How to Stop Wage Garnishment in California with Bankruptcy?
Written by Kristin Turner, Harvard Law Grad.
Updated December 1, 2020
Wage garnishment is a way for debt collectors to take money directly from your paycheck. In California, your income level and amount of debt you have can determine how much of your wages can be garnished.
Read More →Should I be Embarrassed About Filing for Bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated November 30, 2020
Should I be embarrassed by a Chapter 7 bankruptcy filing? We'll let you know how you should think about your discharge of your debts.
Read More →Should I be Embarrassed About Filing for Bankruptcy?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated November 30, 2020
Should I be embarrassed by a Chapter 7 bankruptcy filing? We'll let you know how you should think about your discharge of your debts.
Read More →Best Do It Yourself Chapter 7 Bankruptcy Software
Written by Kristin Turner, Harvard Law Grad.
Updated November 10, 2020
Bankruptcy doesn't have to be expensive or confusing. You can use do-it-yourself Chapter 7 bankruptcy software online. Check out Upsolve to get started with our free bankruptcy process.
Read More →What is an asset in bankruptcy?
Written by Attorney Andrea Wimmer.
Updated October 16, 2020
Everything you own is an asset. Whether your property is valuable enough to turn your case into an asset bankruptcy depends on what bankruptcy exemptions you can use to protect your property.
Read More →Low Income Bankruptcy: Find the Option for You
Written by Kristin Turner, Harvard Law Grad.
Updated October 14, 2020
There are special options available to low-income people filing for bankruptcy. Find out if one is right for you.
Read More →Can I mention the Upsolve website to my trustee?
Written by Kristin Turner, Harvard Law Grad.
Updated September 17, 2020
Yes. You should always be truthful. Make sure to mention that Upsolve is a legal aid nonprofit that charges nothing.
Read More →What does it mean to surrender your car in bankruptcy?
Written by Attorney Andrea Wimmer.
Updated September 8, 2020
If you surrender your car as part of a Chapter 7 bankruptcy, your car debt is erased by the bankruptcy discharge.
Read More →Should I Update My Forms If I Get a New Job Before Filing?
Written by Attorney Andrea Wimmer.
Updated September 8, 2020
Congratulations on your new job! If you haven't filed yet, and you really don't know what your monthly income will be until your first paycheck comes in, you have one of two options for how to handle this.
Read More →3 Things You Should Know About Bankruptcy Course 2
Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated September 3, 2020
Every individual seeking bankruptcy relief must complete two educational courses: The credit counseling course is completed before the bankruptcy petition is filed with the court. The second course, on the other hand, can’t be completed until after the case has been filed. Without completing both courses, a bankruptcy filer cannot get their bankruptcy discharge. Here are 3 things you should know about the personal financial management course, including how it's different from credit counseling.
Read More →Where can I take the first credit counseling course?
Written by the Upsolve Team.
Updated August 17, 2020
You can take the course from any provider that has been approved to offer the course by the United States Trustee.
Read 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.
Read 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.
Read More →4 things you should know about the bankruptcy court system
Written by Attorney Jamie Lee Ruiz.
Updated August 9, 2020
The bankruptcy court oversees bankruptcy cases filed in the United States. The court maintains the records for all bankruptcy cases.
Read More →What is an "Official Form 309A -- No Proof of Claim?"
Written by Kristin Turner, Harvard Law Grad.
Updated August 7, 2020
The court sends this document to the creditors you listed on your bankruptcy paperwork when you file. It gives each creditor important information about your case and tells them what they need to do if they have a reasonable objection to your bankruptcy.
Read More →If I received a discharge, when can I refile?
Written by Kristin Turner, Harvard Law Grad.
Updated July 30, 2020
If your bankruptcy was fully discharged, you can refile bankruptcy after a certain amount of time has passed. If you file before the time limit is up, you will not be entitled to have your debts discharged.
Read More →I am planning to get married soon after I file. Will my bankruptcy affect my spouse?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Usually your individual bankruptcy will not affect your new spouse. If you are filing for a Chapter 7, is can be helpful to wait until after you receive your discharge to get married just in case.
Read More →I receive money from social security. Can I file for bankruptcy?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Definitely. Getting money from social security does not disqualify you from filing for bankruptcy with Upsolve. You should take our online screener to see if you meet our either criteria.
Read More →What do I list as my address if I lived overseas 3 years ago?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Questions about your addresses on your bankruptcy forms are used to determine one of two things: 1. Which state you are eligible to file bankruptcy in and 2. Which state's exemptions you can use to protect your assets.
Read More →Should I use a law firm or file for myself?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
This is up to you to decide. If you can afford $1000+ for an attorney, they are often a good investment. If you cannot, our team at Upsolve would love to guide you through your filing at every step of the way.
Read More →How can I schedule a meeting with Upsolve?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Unfortunately, we do not schedule meetings with our users. We wish we could. We love our users. But sadly, we don't do calls or live chats. We get 100+ inquiries a day, so we don't have the resources as a cash-strapped nonprofit.
Read More →Why doesn't my car appear on my exemptions list?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
There are a few reasons that your car(s) might not be listed on your exemptions list.
Read More →I want to redeem my car. When do I do it?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
"Redeeming" your car means that you buy it from the lender that you financed it with for the fair market value of the car, paid to the lender in one lump sum. The rest of your loan is discharged.
Read More →Will someone show up in court against me?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
In virtually all Chapter 7 cases that do not involve expensive property, no creditors show up to court against you. It's very, very, very unlikely that anybody will show up in court against you.
Read More →How do I find out who my trustee is?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
You find out who your trustee is after you file your bankruptcy paperwork. You'll either learn right away from the court who your trustee is, or you'll get mail a few days later with your trustee's information.
Read More →I received a letter for a Meeting of Creditors. What is this?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Your meeting of creditors is the meeting that takes place at the court between you and your trustee. This is also known as a 341 meeting.
Read More →I received a letter for a 341 meeting. What is this?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
A 341 meeting is the same as the meeting of the creditors. This is the meeting between you and the trustee who oversees your case. It usually takes place at your local court.
Read More →Filing for Bankruptcy with Electronic Self-Representation (ESR)
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
This article provides an overview of Electronic Self-Representation and how you can use it to file for Chapter 7 bankruptcy by yourself without the help of an attorney. If you can't afford an attorney, but don't want to go through the process on your own, Upsolve may be able to help!
Read More →Does household of 1 mean just me?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
Yes, it does.
Read More →If I tell the trustee I forgot to list a creditor will she reschedule my 341?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
In most cases, no. Although you can mention it during the 341 meeting. Trustees are usually concerned with assets that can be distributed to creditors, more than debts.
Read More →I missed my 341 Meeting! What should I do now?
Written by Kristin Turner, Harvard Law Grad.
Updated July 22, 2020
If you miss your scheduled 341 Meeting it is imperative that you speak with your assigned trustee ASAP and reschedule!
Read More →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 25, 2021
La bancarrota (conocida también como quiebra) del Capítulo 7 es un proceso legal común que puede eliminar tus deudas, pero no es necesariamente la mejor opción para todo el mundo. Vamos a revisar un poco de información básica sobre la bancarrota para ayudarte a aprender sobre ella y decidir si es lo mejor para ti.
