Kristin Turner

Kristin Turner

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Where can I take the first credit counseling course?

Log in to your Upsolve account, and we'll give you the instructions. Upsolve users should go to [DebtorCC.org](http://bit.ly/2kQEQFx "debtorcc.org"). 

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How Do I Reaffirm My Car Loan?

The 6-step process of reaffirming a car loan.

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How Do I Reaffirm My Car Loan?

The 6-step process of reaffirming a car loan.

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I have not filed yet and I am starting a new job. Should I update my forms?

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.

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What is a Bankruptcy Trustee?

The bankruptcy trustee is responsible for reviewing your case and conducting the meeting of creditors. Understanding what they do will help you become even better prepared in your bankruptcy case.

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What is a Bankruptcy Trustee?

The bankruptcy trustee is responsible for reviewing your case and conducting the meeting of creditors. Understanding what they do will help you become even better prepared in your bankruptcy case.

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How Much Does Bankruptcy Cost?

Chapter 7 bankruptcy provides relief for individuals and businesses that have no hope of ever repaying their debts. That’s why it seems strange to some that there are actual costs involved to get this relief. Keep in mind, though, that everyone’s case is different and someone’s inability to pay their debts as they come due does not necessarily mean that they can’t pay the costs of filing a Chapter 7. Let’s take a look at what they are. 

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Bankruptcy Counseling Courses: A Step-by-Step Guide

In order to begin your journey to a fresh start through Chapter 7 bankruptcy, you must complete the Bankruptcy Counseling Courses.

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What are the Federal Bankruptcy Exemptions?

There are both federal laws and state laws that apply to bankruptcy and each set of laws has its own bankruptcy exemptions. The federal government makes its federal bankruptcy exemptions available to anyone who files Chapter 7 bankruptcy regardless of what state they file in. But, each state has the right to restrict its residents to using the state exemptions, having “opted out” of the federal bankruptcy exemptions.

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Can I erase judgments in bankruptcy?

If you've been sued by someone you owe money to, your bankruptcy discharge will protect you from having to pay the judgment, but that's not true for all judgments. Here is an overview of what types judgements are erased in bankruptcy and examples of judgment that can't.

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What Happens After Filing for Bankruptcy?

Knowing what happens after you file bankruptcy can make it seem less intimidating. Read on to learn about filing Chapter 7 bankruptcy, the meeting of creditors, keeping your car, and why creditors must stop contacting you after filing.

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Which states allow me to use the federal bankruptcy exemptions?

Find out which states allow filers to choose between their state's exemptions and the federal bankruptcy exemptions.

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What is a Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a type of bankruptcy that provides relief for folks who make too much money to qualify for Chapter 7. At its core, it’s a reorganization that allows the filer to pay as much as their budget can handle instead of trying to keep up with each creditors’ minimum monthly payments.

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Is Upsolve real? Is this a legitimate service?

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 bankruptc

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Filing for Bankruptcy with Electronic Self-Representation (ESR)

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!

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What Happens to Your Tax Refund in Bankruptcy?

When tax season comes, many individuals filing for bankruptcy expect to receive a tax refund check. So what happens to your tax refund when you file for bankruptcy?

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How much money is considered a gift?

The bankruptcy system doesn’t care about relatively modest gifts, and most people considering bankruptcy only have the ability to make modest gifts. Specifically, the bankruptcy forms ask whether you gave gifts with a total value of more than $600 per person within the two years before you filed for bankruptcy.

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How Can I Stop My Wages From Being Garnished?

Wage garnishment is a common problem for millions of Americans. It can be deflating to have your wages garnished. But you do have options to protect yourself.

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I want to surrender my car. When do I do it?

"Surrendering" your car means that you *__give it back to the lender that you financed it with__*. If you surrender your car, any debt that you owe on it will be eliminated when you receive your bankruptcy discharge.

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Should I surrender my car in bankruptcy?

In many cases, surrendering your car in bankruptcy can be a great idea, although there are some drawbacks.  Here is a list of pros and cons of surrendering your vehicle as part of your Chapter 7 bankruptcy. 

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I received a letter for a 341 meeting. What is this?

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. 

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Legal Terms That You Need to Know for Bankruptcy

Don’t let legal terms scare you away from the fresh start you need. Anyone can understand bankruptcy, no matter your education level. It can be confusing at first, but here at Upsolve, we break down the legal terms so that you don’t have to.

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I own a mobile home/manufactured home. Can Upsolve help me?

Unfortunately, Upsolve is unable to help homeowners and owners of mobile homes or manufactured homes at this time.

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Should I file for bankruptcy before I get married?

Having a spouse does not automatically mean a bankruptcy affects both of you. However, if you and your future spouse have joint debts then there are multiple factors to consider such as whether one or both of you need to file, what your future plans are and if you want to conserve costs to file.

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What is Community Debt?

"Community Debt" is: - any debt that you or your spouse acquired *__while married__* or - any debt for which you and your spouse are co-signers

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I am planning to get married soon after I file. Will my bankruptcy affect my spouse?

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.

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When should I redeem my car?

"Redeeming" your car means that you buy it from the lender. To do this, you must pay the lender for the fair market value of the car.

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I want to redeem my car. When do I do it?

"Redeeming" your car means that you *__buy it from the lender that you financed it with__*. To do this, you will pay the fair market value of the car, in exchange for the title of the car. The remaining balance owed is discharged.

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Chapter 7 Means Test Calculator

In order to have your debts discharged under Chapter 7 bankruptcy, you need to pass the Means Test. To find out if you would pass, check out Upsolve. We are a non-profit that helps low-income Americans get a fresh start through Chapter 7 bankruptcy at no cost.

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How to Stop Wage Garnishment with Bankruptcy in New York?

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.

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Where Can I Find Free Bankruptcy Chapter 7 Forms?

Filing for bankruptcy can seem confusing, and the paperwork itself can be daunting. Find the bankrutpcy forms for free.

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How to Get a Free Bankruptcy Consultation in New York?

Find a free Chapter 7 bankruptcy consultation in New York City. A bankruptcy attorney will help you decide between Chapter 7 and Chapter 13.

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

Chapter 7 bankruptcy has its pros and cons. Read this article to figure out whether Chapter 7 bankruptcy is a good fit for you.

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Best Do It Yourself Chapter 7 Bankruptcy Software

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.

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What are the Florida Bankruptcy Exemptions?

If you're a debtor filing for bankruptcy and you live in Florida, you'll be using the Florida bankruptcy exemptions to keep your property.

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How long does the bankruptcy process take?

In total, it takes 3 to 6 months to officially erase your debts. The most important part is preparing your bankruptcy forms. Most Upsolve users do that in under 5 days through our online service.

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Where can I watch the 341 prep meeting to prepare?

Log back into Upsolve and finish Course 2. When you're done, you'll see the prep video.

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How Does Bankruptcy Affect My Retirement?

Your retirement savings usually aren’t affected by bankruptcy. After you file, saving for retirement after bankruptcy might be even easier than before.

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How to Get Veteran Debt Relief?

You can obtain veteran debt relief in one of several ways. If you cannot afford to pay your debts, filing bankruptcy may be the best way to obtain veteran debt relief.

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Five Essential Tips to File Chapter 7 Bankruptcy

Chapter 7 bankruptcy does not have to be complicated. Follow these 5 essential tips to make sure you have a successful case. Upsolve's free bankruptcy attorneys are here to help you out.

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Do I Qualify for Bankruptcy?

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.

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What is a Bankruptcy Court?

The bankruptcy court oversees bankruptcy cases filed in the United States. The court maintains the records for all bankruptcy cases.

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Every Type of Bankruptcy Explained

Bankruptcy has helped millions of Americans relieve their debt burden and get a fresh start. There are different types, so it's important to know the differences and similarities. Upsolve is a non-profit that helps low-income households relieve their debt through Chapter 7 bankruptcy at no cost. Get started today with Upsolve, or read to learn more about the other types of bankruptcy.

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How to Stop Wage Garnishment in California with Bankruptcy?

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.

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Bankruptcy Attorneys: What to Look For?

Are you looking for a bankruptcy attorney? It is incredibly important to choose a bankruptcy attorney that is right for you.

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What is Bankruptcy Legal Aid and Pro Bono?

Legal aid and pro bono attorneys can help you get through your bankruptcy filing. Find out how they work and why they exist.

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How do I find out if I'm required to file taxes?

Federal Taxes: All taxpayers are eligible to claim a standard deduction from their [taxable income](https://www.irs.com/articles/what-is-taxable-income-2 "taxable income"). This amount is based on your filing status and household size.

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What is the San Diego Bankruptcy Court?

Are you ready to file a Chapter 7 bankruptcy case in the San Diego Bankruptcy Court? If you need help but you cannot afford to hire a bankruptcy attorney, contact Upsolve for no cost bankruptcy services for low-income Americans from a trusted nonprofit organization.

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Low Income Bankruptcy: Find the Option for You

There are special options available to low-income people filing for bankruptcy. Find out if one is right for you.

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How to Stop Debt Collection Companies?

Do you want to stop debt collection companies? You may need to do more than to request that they stop contacting you.

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What is Bankruptcy Form 309A, and what should I do with it?

[Bankruptcy Form 309A](http://www.uscourts.gov/sites/default/files/form_b309a_0.pdf "bankruptcy form 309a") is a form that is sent to all your creditors to notify them of your bankruptcy filing. This happens at the start of every bankruptcy case. You don’t need to do anything with this form.

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How Can I Find a Free Bankruptcy Lawyer in New York City?

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.

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10 Tips for DIY Bankruptcy Chapter 7

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.

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What is an Emergency Bankruptcy Filing?

People seek an emergency bankruptcy filing when creditors are threatening to take immediate action to seize or sell assets. The emergency bankruptcy filing stops the creditor as soon as you file the main bankruptcy forms.

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If I have a debt that’s not dischargeable, should I still list it?

Yes. You must list every debt you have on our questionnaire. The court needs to know about all of them. 

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Can bankruptcy eliminate my student debt?

No, except in very rare cases.  Many attorneys will tell you that, as a practical matter, you need to be mentally or physically disabled to erase student loan debt. It’s a very hard standard.

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What is the difference between an EIN, TIN, and ITIN?

The acronyms that the IRS uses to identify the different types of taxpayer identification numbers can be confusing, and we get a lot of questions about these three in particular.

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I can't move on. What should I do?

Try these things: 1. Make sure you're in Google Chrome. If not, try again in Google Chrome. 2. Refresh your screen.  3. Log out and then log back in. 4. Try logging on in Incognito mode on Google Chrome. If none of these work, let us know.

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My case was dismissed. When can I refile a new case or reopen my case?

If your bankruptcy case is dismissed, it closes the case without discharging your debts.

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What are the alternatives to Chapter 7 bankruptcy?

If you decide that Chapter 7 bankruptcy isn’t right for you, you have several alternatives.

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When should I surrender my car?

Surrendering your car to the lender is pretty straightforward: you owe money on your car and would like to be excused from paying that money back. Rather than being required to continue paying on the terms of your loan, you can simply give the car back to the lender and call it a day. The balance that you owe on the loan will be wiped away with the rest of your dischargeable debts in bankruptcy.

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If I win a lawsuit after my bankruptcy, will I be able to keep my money?

If you file for Chapter 7 bankruptcy, the law of your state will determine whether you can keep the money from a lawsuit—but be prepared to give it up unless your state exemption law specifically says that you can keep the award.

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The trustee asked me if I used a bankruptcy petition preparer. What should I say?

Upsolve is not a bankruptcy petition preparer. Bankruptcy petition preparer's charge you for being able to use your service. Upsolve charges you nothing. 

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I haven’t worked in years, can I apply for bankruptcy?

Yes! Many of the people we help do not have jobs. You do not need to have a job to file for bankruptcy. 

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A creditor is suing me. What should I do?

When you file your bankruptcy paperwork, you will need to mention this lawsuit. Don't worry - our system will ask you all of the relevant questions, so as long as you have your case information available when you get to that section, you should be good to go.

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What is an asset in bankruptcy?

Figuring out what an asset is when filing for bankruptcy can be tricky. Learn what an asset is for your bankruptcy forms and the bankruptcy trustee.

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Should I be Embarrassed About Filing for Bankruptcy?

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.

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Someone else helped me pay my bills. How do I indicate this?

In our questionnaire, we ask you if there are any people who help contribute to your monthly expenses. If you have a family member or friend who helps you out, you should include them when we ask this question. 

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How can I get debt collectors to stop calling me?

If you file for Chapter 7 bankruptcy, you can tell bill collectors that your filed, and they must stop calling you under the law.

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What’s the email address to submit the fee waiver form?

It's [feewaiver@debtorcc.org](mailto:support@debtorcc.org "feewaiver@debtorcc.org"). Here's [the link to the form](https://www.debtorcc.org/Pdfs/fee-waiver-request-form.pdf "the link to the form"), which you can only submit after you create an account at [DebtorCC.org](http://bit.ly/2kQEQFx "debtorcc.org").  

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How Do I Value My Pet?

If you are filing for Chapter 7 bankruptcy protection, you are required to include your pets in the schedules. While your pets are priceless, the trustee needs to know if it can be sold for an amount higher than the allowable exemption amount. Unless you have a rare, purebred, champion show animal with breeding rights that can generate income, it is likely that your pets will not be worth near as much as the limit for exemptions.

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Can Upsolve help me get my student loans discharged?

Unfortunately, No. Upsolve can help debtors file for Chapter 7 bankruptcy but we are unable to help debtors prove undue hardship. Your best option is to hire a lawyer or see if your state provides free legal services by calling 311 or finding your state's website here. 

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Are parking tickets dischargeable under Chapter 7?

No. Parking tickets and speeding tickets cannot be erased in a Chapter 7 bankruptcy case. You would therefore still be responsible for the payment of the tickets after your other debts are discharged in your Chapter 7 case.  

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How can I schedule a meeting with Upsolve?

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.

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What are Bankruptcy Friendly Credit Cards?

Find a bankruptcy friendly credit card so that you can have access to credit after filing for bankruptcy.

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What documents do I need before I start?

You need the following documents before you get started with Upsolve: 1. Pay stubs from the last 60 days if you're employed and get pay stubs 2. Tax returns from the last two years, if you filed taxes  3. Names/Address of all the people you owe money to that aren't on your credit report. Upsolve pulls your credit report, so we will know about everyone on it. You don't actually need the bills. Just make sure you have names/addresses. 

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Can I use my PO Box?

You need to tell us your home address in the questionnaire. But we ask you if you'd like to use a different address to accept your mail. You can use your PO box for that. 

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What does "out of pocket insurance" mean?

Out-of-pocket insurance means private insurance. Medicare, Medicaid, or your state insurance plan if automatically deducted from your paycheck is not considered out-of-pocket insurance.

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Where can I get taxes done for free?

The IRS has free tax help centers available. Type in your [zip code here](https://irs.treasury.gov/freetaxprep/ "zip code here") to find the nearest location. 

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Is bankruptcy discharge public record?

There are a few, limited ways that your bankruptcy becomes public record.This alone shouldn't stop you from choosing to file for bankruptcy.

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Will my landlord be notified that I filed for bankruptcy?

It depends. If you are on a month-to-month rental agreement, then the landlord doesn't have to know that you filed. 

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I haven’t heard from anyone for a bit. What should I do?

First, make sure you completed the questionnaire, document upload, and credit counseling. If not, finish those. 

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Where can I take the second course, or the debtor education course?

You can only take the second course after you file for bankruptcy and receive your case number. If you've done this, go back to Upsolve.org and login to get directions. 

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What happens to property you use as collateral during your bankruptcy?

When you have a property that is used as collateral for a debt, it’s called a “secured debt.” There are lots of important things to know about secured debts. Read [this article](https://upsolve.org/learn/what-is-secured-debt-in-bankruptcy "this article") to learn more.

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Chapter 7 Bankruptcy: What Can You Keep?

Chapter 7 bankruptcy exemptions allow you to protect property during your bankruptcy. Usually these exemptions allow you to keep most of your day-to-day property.

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How do I find out who my trustee is?

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.  

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Can I buy a car before or after I file for bankruptcy?

There is nothing that prohibits debtors from buying a car before filing or after filing. Whether it makes sense to buy now or after filing is a personal decision that depends in part on whether a debtor has good credit now, that will deteriorate after filing or bad credit that will improve after filing.

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Should I include student loan debt on my forms even if it can't be erased?

Yes. You should include all your debts on your bankruptcy forms, even if some cannot be erased. 

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Should I list my PayPal account?

If it's PayPal credit, you should list it as a creditor. If it's a standard PayPal account without any lines of credit, list it as a checking account in the financial accounts section. 

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Should I answer my summons?

If you have yet to begin filing bankruptcy you may choose to answer the complaint. A summons can certainly lead to more drastic legal actions when not handled properly. You have a certain amount of time to answer the summons and if you fail to answer it could result in a default judgment.  

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Can I take my credit card out of my bankruptcy, so I can keep it?

If you have a credit card with a balance when you file bankruptcy, then you need to list it on your bankruptcy forms. This debt will automatically be discharged when your bankruptcy is approved __*unless you reaffirm it*__. If you decide to keep your credit card, you will need to contact your credit card provider and ask them their process for reaffirming this debt. 

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Can I get a credit card after filing for bankruptcy?

It's a myth that people won't be able to get a credit card after they file for bankruptcy. 

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Should I use a law firm or file for myself?

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. 

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When will my wage garnishment stop after I file?

Wage garnishments stop immediately after you file but you should allow time for the court to notify your employer.

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I receive money from social security. Can I file for bankruptcy?

Definitely. Getting money from social security does not disqualify you from filing for bankruptcy with Upsolve. You should take our [online screener](http://my.upsolve.org "online screener") to see if you meet our either criteria. 

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How can I contact DebtorCC?

You can call DebtorCC at 1 (800) 610-3920.  DebtorCC runs the Credit Counseling Course, or Course 1, and the Debtor Education course, or Course 2. 

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When do I do course 2?

You do Course 2, also called the Debtor Education course, after you file for bankruptcy. 

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Is Upsolve my lawyer?

No. Upsolve is not your lawyer. Upsolve does not provide legal advice in anyway. You are representing yourself. This is called being pro se.  

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What is the Chapter 7 Bankruptcy Timeline?

A Chapter 7 bankruptcy case usually runs from filing to discharge. Overall, the process usually takes 3 to 6 months.

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My Trustee asked me for my tax returns, but I'm on SSD. What should I do?

You do not need to provide tax returns if you do not need to file taxes. It may be a good idea to send your trustee a copy of your award letter, so they can get a full financial picture of your life. 

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I received a letter for a Meeting of Creditors. What is this?

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. 

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Does Bankruptcy Affect My Social Security Income?

If you list it as exempt, your Social Security is almost always protected during bankruptcy.

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Should I list the creditor or the collection agency that I owe?

You should list both. You can enter a Zero debt amount for the collection agency. Listing all parties to the debt is important so the Court can notify them not to contact you.

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Should I File For Bankruptcy After A Repo?

Filing for bankruptcy after a car repo can get rid of any remaining debts that you have for your car.

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How do I fill out a fee waiver for the credit counseling course?

1. Create an account at [DebtorCC.org](https://www.debtorcc.org/bankruptcy-credit-counseling-course.aspx?ReferralKey=126775A5A8F148E4853F062396B08E16 "debtorcc.org"). 2. Fill out the [fee waiver application](https://www.debtorcc.org/Pdfs/fee-waiver-request-form.pdf "fee waiver application").   3. Email the completed fee waiver application to [feewaiver@debtorcc.org](mailto:feewaiver@debtorcc.org "feewaiver@debtorcc.org").  4. Wait 72 hours to see if it's approved. You'll get an email. If you have any questions at all throughout the process, call DebtorCC at 1 (800) 610-3920.  DebtorCC is a different nonprofit than Upsolve. DebtorCC offers the course, not Upsolve. 

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I filed for bankruptcy in the past. Can I file again?

If you successfully filed for bankruptcy, you cannot file again for 8 years.  If you filed for bankruptcy, but your case was not successful, you can file again within 8 years. 

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I have already taken a credit counseling course, do I need to retake it?

No. We give you the chance to upload it at the credit counseling section.

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The trustee asked me if I got help. What should I say?

It's always important to be totally truthful with your trustee. You can mention that you received help from Upsolve, but it's important that you indicate Upsolve is a nonprofit that did not charge you anything. 

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What Goes into a Credit Score?

Your credit score is a combination of different factors such as payment history, types of credit, debt, and credit history that tell lenders who you are as a borrower. Being hands on about your credit score can help you take small steps toward a strong financial future.

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Can I Buy a House After Bankruptcy?

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.

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Will my bankruptcy affect my child's 529 College Saving Plan?

Whether or not funds in your child's 529 plan are protected when you file bankruptcy depends on how long ago you deposited the funds in the account.

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I forgot my password. What should I do?

On the page where you're supposed to enter in your password, you should see an option to reset your password. Click that option. 

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I have a DUI. Can I still file for bankruptcy?

A chapter 7 bankruptcy cannot discharge or wipe out fines or penalties that are owed to the government. So filing bankruptcy under either chapter will not get rid of a fine imposed in a DUI/DWI prosecution.

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How many steps are there from start to finish before I file?

There are six pre-filing steps, and we will guide you every step of the way.

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If I file for bankruptcy, will it hurt my co-signer’s credit score?

__No__. In short, if you file bankruptcy, your social security number is the one the bankruptcy attaches to. A co-signer’s social security number will not be involved, and thus the bankruptcy does not go on their credit.

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Does bankruptcy stop foreclosure?

A bankruptcy filing does immediately stop the foreclosure process. Lenders can't foreclose or even try to collect debt until permitted to do so by the court. But a Chapter 7 bankruptcy only delays foreclosure.

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I don’t have the names of my doctors. Is that okay?

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.  

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Should I list the company I owe or the lawyer contacting me?

You only need to list the companies that you actually owe money to. They are your creditors. You can call the attorneys who are contacting you and tell them that you're filing for bankruptcy. That should stop others from calling you. 

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My screen is frozen and not working. What should I do?

First off, we're so sorry! We try to get better every day. Try these things to fix your problem: 1. Make sure you're in Google Chrome. If not, try again in Google Chrome. 2. Refresh your screen.  3. Log out and then log back in. 4. Try logging on in Incognito mode on Google Chrome. If none of these work, let us know.

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Will someone show up in court against me?

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. 

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Can I mention the Upsolve website to my trustee?

Yes. You should always be truthful. Make sure to mention that Upsolve is also a legal aid nonprofit that charges nothing. 

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I’m being evicted. Can you help?

It depends. If your landlord already has won an eviction judgment against you, you have a complicated case that isn’t a good fit for Upsolve. If your landlord is only in the process of suing for eviction, you can use Upsolve.

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I bought my car with my deceased grandma as co-signer. Am I the sole owner?

We're not sure. It may depend on your grandmother’s will. If she left her interest in the car to you, you would be a sole owner of the car.

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Should I choose the federal or my state bankruptcy exemptions?

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 is right for you will depend on your answers to two questions.

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What Happens if I'm Not Current on My Car Payments?

If you’re behind on your car payments and don’t have the ability to get current, Chapter 7 bankruptcy probably won’t prevent the creditor from repossessing the car. While your bankruptcy filing will initially stop any repossession, the lender can ask the court to lift the automatic stay. And if you are behind on your payments, most courts will lift the stay to let the lender proceed repossess the car.

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If a creditor was charged off, do I still need to list them?

Yes, you need to list them. A debt being charged off by the creditor does *not* mean that you don’t owe it anymore; it only means that the creditor has decided the debt is uncollectible for accounting purposes.

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I missed my 341 Meeting! What should I do now?

If you miss your scheduled 341 Meeting it is imperative that you speak with your assigned trustee ASAP and reschedule!

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I don’t have $15. What should I do?

First, you should call DebtorCC and see if you qualify for a fee waiver: 1 (800) 610-3920. 

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I didn’t file my tax returns for the last two years. Can I still file for bankruptcy?

If you were unemployed and weren't required to file your taxes: yes.  If you were employed and you were supposed to file your taxes but didn't: we can't help you at the moment. Please go file your taxes that you were supposed to file and then come back to us. 

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If I tell the trustee I forgot to list a creditor will she reschedule my 341?

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.

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How long will bankruptcy stay on my record?

Chapter 7 bankruptcy stays on your credit report for 10 years. But most Chapter 7 debtors with low credit scores see their credit scores improve post-bankruptcy. [See the study](https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr725.pdf "see the study"). 

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What do I list as my address if I lived overseas 3 years ago?

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.

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I already filed and I need to surrender my car. What should I do?

Once you file bankruptcy, the court places an automatic stay on any repossession efforts. The lender with whom your car is financed can ask the court to lift this stay and, if the court grants their request, they will be legally allowed to repossess the car.

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If I received a discharge, when can I refile?

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.

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Can non-government private student loans get discharged?

Unfortunately, Upsolve is not a good fit for anyone trying to discharge student loans. We suggest you contact an attorney.

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What is an "Official Form 309A -- No Proof of Claim?"

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.

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How Bankruptcy Affects Credit Score

If you’re considering bankruptcy, it’s more likely that filing will help you repair your credit score, fast than if you didn’t take action.

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I created an account. What’s the process now?

You need to start the questionnaire! Follow our directions to get there. 

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Why doesn't my car appear on my exemptions list?

There are a few reasons that your car(s) might not be listed on your exemptions list.

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What is an asset in bankruptcy?

In Chapter 7 Bankruptcy, assets are anything you own that the trustee could sell to pay back your creditors. Most of your debts will be forgiven once your bankruptcy is approved, so it makes sense that your creditors would receive at least some of the money that you owe them.

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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.

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