the Upsolve Team

Should I File for Bankruptcy for Credit Card Debt?

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated November 7, 2024

If you're overwhelmed by credit card debt, filing for bankruptcy may be a way to erase it and get a fresh financial start. Many people consider options like credit counseling or debt management first, but bankruptcy can be a powerful solution when other methods aren't enough. This article will help you understand if bankruptcy is the right choice for dealing with your credit card debt.

What Is the 341 Meeting of Creditors?

Written by the Upsolve Team. Legally reviewed by Lawyer John Coble
Updated November 4, 2024

The 341 meeting of creditors is a required meeting between a bankruptcy filer, the bankruptcy trustee, and sometimes creditors. It's an informal hearing often held virtually. Even when in person, it's not in a courtroom and no judge is present. The main purpose of the meeting is for the trustee to verify the bankruptcy filer's identity and the information in their bankruptcy forms. Creditors can also attend and ask questions, but this isn't common in Chapter 7 cases.

Upsolve's Commitments to Our Users

Written by the Upsolve Team. 
Updated October 31, 2024

Upsolve is here to empower you. We understand how stressful it is to navigate debt, low credit scores, and bankruptcy on your own. You deserve support that helps you regain control of your financial health. Here's what you can expect from us.

Can You Keep Your Checking Account During Chapter 7 Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated October 30, 2024

Most people who file Chapter 7 bankruptcy can keep their checking account if the money in it is protected by exemptions. This means your account balance is safe, as long as it doesn’t exceed the amount you’re allowed to protect under bankruptcy law.

What Is an Automatic Stay In Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated October 23, 2024

An automatic stay is a powerful protection that kicks in as soon as you file for bankruptcy. It stops most creditors from trying to collect debts. This means they can't call you, send letters, garnish your wages, or start or continue lawsuits against you. The protection lasts until your Chapter 7 bankruptcy case ends or the court lifts the stay.

Sent to Collections Without Notice? Here’s What To Do Next

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2024

Creditors can legally send your debt to a collection agency without notifying you first. In most cases, you’ll have some notice that your account is at risk of being sent to collections. Once a debt collector has your debt, they’re legally required to provide you with a written notice of your debt account before they first contact you or within five days of their first contact with you.

The Complete Guide To Medical Bills and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 16, 2024

A healthcare provider can try to collect unpaid medical debts, just like any other debt collector might. A provider may even take legal action to garnish a patient’s wages if their collection efforts are ignored. Before a provider can take your wages, the facility or physician must sue you for nonpayment and win the case in court. If a healthcare provider wins a lawsuit against you, the court will award a judgment (court order) to the provider or its collection agent to garnish your wages. You may be able to avoid or stop a garnishment. Learn more in this article.

Consequences of Not Paying Student Loans: Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 23, 2024

Federal student loan payments are set to resume in October 2023. If you can’t make your student loan payments your credit score, employment opportunities, and emotional well-being can all be affected. This article explains the consequences you may face if you don’t make your student loan payments and proposes some strategies to deal with student loan debt when you can’t make your monthly payment.

What Are the Oregon Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 17, 2024

If you’ve lived in Oregon for at least two years when you file bankruptcy, you can choose between the state or federal bankruptcy exemptions. Generally speaking, if you’re filing alone and you own a home, you’ll get great protection using Oregon’s state exemptions. If you don’t own a home, you may benefit more from federal exemptions, which provide a more generous exemption for your car and a wildcard exemption you can use to protect any property not otherwise protected.

What Are the Illinois Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 17, 2024

If you’ve been an Illinois resident for at least two years, you’ll need to use the state’s exemptions if you file Chapter 7 bankruptcy. Exemptions help you protect important property, from your household furnishings and clothing to your car and retirement accounts. The homestead exemption in Illinois is $15,000 (or $30,000 if you’re married and filing jointly). The motor vehicle exemption is $2,400. Illinois also offers a $4,000 wildcard exemption.

What Are the Michigan Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 5, 2024

If you’ve lived in Michigan for at least two years when you file bankruptcy, you can choose between the state’s exemptions or the federal bankruptcy exemptions. Both have the same aim — to help you protect your property. Michigan has a higher homestead exemption than the federal government ($46,125 vs. $27,900). But if you aren’t a homeowner, the federal exemptions for personal property, including your vehicle, are more generous.

How To Win Against Radius Global Solutions

Written by the Upsolve Team. 
Updated August 21, 2024

Radius Global Solutions LLC is a debt collection agency. If they’re contacting you, they probably bought one of your accounts from a creditor and are now attempting to collect the debt. Before you pay, make sure the debt is legitimate. If it is, try to negotiate a debt settlement to pay less than you owe and get the account settled. If you ignore Radius Global Solutions and their collection efforts, they may file a lawsuit against you. If they sue you, respond right away.

How To Win Against FBCS

Written by the Upsolve Team. 
Updated August 21, 2024

FBCS is a third-party debt collector, so if they contact you, they’re probably trying to collect on a debt account. Before you pay anything, have FBCS validate the debt and confirm its details. Then you can decide what to do next. If you disagree with any aspect of the debt, you can file a dispute. If you agree you owe the debt and want to pay it, you can pay it in full or try to settle the debt for less than the full amount. If FBCS sues you, you’ll need to respond to the lawsuit.

How To Win Against Central Portfolio Control

Written by the Upsolve Team. 
Updated August 21, 2024

If Central Portfolio Control contacts you, they probably bought a debt they believe you owe. Before paying anything, you need to validate the debt to confirm that it’s legitimate. If it is, figure out how much you can pay and begin debt settlement negotiations. If Central Portfolio Control is suing you for unpaid debt, you need to respond — even if you’re in the middle of settling the debt — and follow court procedures.

How To Win Against 11 Charter Communications

Written by the Upsolve Team. 
Updated August 21, 2024

11 Charter Communications is in charge of debt collection for Charter Communications Inc, better known as Spectrum. After confirming that you have an unpaid debt with Spectrum, you can negotiate a debt settlement with 11 Charter Communications to clear the debt. If 11 Charter Communications files a debt collection lawsuit against you, you can respond on your own by filing an answer form.

How To Win Against Wakefield AND Associates

Written by the Upsolve Team. 
Updated August 21, 2024

If Wakefield and Associates contacts you to collect a debt, make sure they’ve validated the debt before you decide what to do next. If they can prove the debt is valid but you disagree with the amount, you can dispute it. If you agree you owe that amount but can’t pay in full, try to negotiate a settlement to pay less. If Wakefield and Associates sues you, you must respond to their lawsuit even if you’re still negotiating the debt to avoid negative consequences.

How To Win Against Northstar Location Services

Written by the Upsolve Team. 
Updated August 21, 2024

Northstar Location Services is a debt collection agency. If they reach out to you, you need to take action. Start by validating the debt they claim you owe. If the debt is accurate and you agree you owe it, consider negotiating a debt settlement to pay only a portion of the full amount. If Northstar sues you, respond immediately by filing an answer form. You don’t have to hire a lawyer to respond to the lawsuit.

How To Win Against CBE Group

Written by the Upsolve Team. 
Updated August 21, 2024

CBE Group (The CBE Group Inc) is a debt collection agency specializing in consumer debt collection. If CBE Group contacts you, then they have bought a debt of yours from a creditor or lender. Before you pay anything toward the debt, validate it to make sure it is legitimate. Then, figure out how much of the debt you can reasonably pay, and begin debt settlement negotiations. If CBE Group is suing you for unpaid debt, respond to the lawsuit immediately.

How To Win Against Cavalry SPV I LLC

Written by the Upsolve Team. 
Updated August 21, 2024

If Cavalry SPV I LLC (Cavalry Portfolio Services LLC) contacts you, the most important thing you can do is to take action. You need to validate the debt and decide what you want to do next. You can either dispute the debt (if there are inaccuracies or if you disagree with the debt) or negotiate a debt settlement and pay less than the total debt amount. Unfortunately, if you ignore Cavalry and their collection efforts, they can file a lawsuit against you. If Cavalry files a lawsuit against you, you need to respond quickly. Read this article to find out how.

How To Win Against Pressler, Felt & Warshaw LLP

Written by the Upsolve Team. 
Updated August 21, 2024

Pressler, Felt & Warshaw LLP will contact you when they’re trying to collect a debt or inform you that they’ve sued you to collect a debt. If Pressler hasn’t sued you yet, you can fight back by making them validate the debt. If the debt is valid, you can try to settle it for less than what you owe. If you’ve been sued, respond to the lawsuit even if you’re trying to negotiate a settlement. Keep reading to find out how.

How To Win Against Resurgent Capital Services

Written by the Upsolve Team. 
Updated August 21, 2024

If Resurgent Capital Services is reaching out to you, they’re likely trying to collect a debt. Before taking action or paying anything, make sure the debt they’re claiming you owe is valid. If it is, and you can’t afford to pay it, you can negotiate a debt settlement to pay less than you owe and settle the account for good. If Resurgent Capital Services sues you, respond immediately by filing an answer form. Read this article to learn how to win against a debt collector like Resurgent Capital Services.

How To Win Against United Collection Bureau

Written by the Upsolve Team. 
Updated August 21, 2024

United Collection Bureau (UCB) is a debt collection agency. If UCB is reaching out to you, you may owe a debt that belongs to them. After confirming you owe the debt, you can negotiate a debt settlement for less than what you owe overall. If UCB files a lawsuit against you, respond immediately by filing an answer form and following all court procedures.

How To Win Against Harris & Harris

Written by the Upsolve Team. 
Updated August 21, 2024

If Harris & Harris contacts you, respond and take action, as they are a recognized debt collection agency. Before you pay anything, validate the debt to confirm it is accurate and yours. If the debt is legitimate, you need to figure out how much of the debt you can pay and begin debt settlement negotiations. If Harris & Harris is suing you for unpaid debt, you can respond by using an answer form — even if you’re in the middle of negotiating or settling — and following your court’s procedures.

How To Win Against Capio Partners

Written by the Upsolve Team. 
Updated August 21, 2024

If Capio Partners contacts you to try to collect a debt, the best thing you can do is get informed and respond. Before paying anything, validate the debt. If it’s your debt but you can’t afford to pay it, make a settlement offer to pay less than the original amount owed. If it isn’t your debt, dispute it. Capio is unlikely to sue, but if they do, you can probably still negotiate as long as you also meet the requirements of the lawsuit.

How To Win Against Halsted Financial Services

Written by the Upsolve Team. 
Updated August 21, 2024

Dealing with debt collectors like Halsted Financial Services requires assertiveness and action. You can effectively defend yourself by understanding your rights, validating the debt, negotiating a settlement, or seeking legal assistance if necessary. You have options when facing debt collection by Halsted Financial Services, and with the right approach, you can navigate this challenging situation successfully. Continue reading to learn how you can take action to help you win by asserting your consumer rights.

How To Win Against Frost-Arnett Company

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated August 21, 2024

Frost-Arnett is a debt collection agency. If Frost-Arnett contacts you, they’re probably trying to collect a past-due medical debt on behalf of a healthcare company they bought the debt from. If the debt is legitimate, you likely have to pay or face serious consequences. But don’t fret! You may not have to pay the full amount. You can try to negotiate a debt settlement to pay a portion of the debt and settle the account for good. If Frost-Arnett repeatedly contacts you and you ignore them, they could file a lawsuit against you. Respond to the lawsuit right away by filing an answer form with your court.

How To Deal With CCS Offices

Written by the Upsolve Team. 
Updated August 21, 2024

CCS Offices is a debt collector that focuses on consumer debts, including unpaid healthcare invoices and credit card bills. If CCS Offices contacts you, don’t panic. Given how the debt collection business works, there could be a mistake or error. The first thing you should do is have CCS Offices validate the debt. If they do, you can decide to dispute the debt, negotiate a debt settlement, or do nothing. Read on to learn more about these options and what they mean for you.

How To Deal With Radius Global Solutions

Written by the Upsolve Team. 
Updated August 21, 2024

Radius Global Solutions LLC is a legitimate debt collection agency that focuses on consumer debts. If Radius Global Solutions contacts you, validate the debt before you do anything else. Once you verify that the debt is yours, you can choose how to proceed. The main options you have are disputing the debt (if the information is incorrect or you disagree with the debt amount) or negotiating a settlement.

How To Deal With Harris & Harris

Written by the Upsolve Team. 
Updated August 21, 2024

Harris & Harris is a legitimate debt collection agency focusing on consumer debts — specifically healthcare, government, and utility debt. If Harris & Harris contacts you, you should first validate the alleged debt. Once you verify that the debt belongs to you, you can choose how to move forward. The main options are to dispute the debt (if the information is incorrect or you disagree with the debt amount) or to negotiate a settlement so you end up paying a portion of the debt.

How To Deal With Cavalry SPV I LLC

Written by the Upsolve Team. 
Updated August 21, 2024

Cavalry SPV I LLC (Cavalry Portfolio Services LLC) is a legitimate debt collection agency focusing on consumer debts, like credit card debt. If Cavalry SPV I LLC is contacting you, the first thing you’ll want to do is validate the debt. Once you verify that the debt belongs to you, you can choose how to deal with Cavalry. The main options you have are disputing the debt (if the information is incorrect or you disagree with the debt amount) or negotiating a settlement to pay less than you owe and resolve the matter.

How To Deal With Midland Funding LLC

Written by the Upsolve Team. 
Updated August 21, 2024

Midland Funding LLC is a legitimate debt collection agency that focuses on consumer debts under their parent company, Encore Capital Group — a major debt buyer. If Midland contacts you, you should first validate the alleged debt. Once you verify that the debt belongs to you, you can choose how to deal with Midland. Your main options are disputing the debt (if the information is incorrect or you disagree with the debt amount), or negotiating a settlement so you end up paying a portion of the debt.

How To Deal With MBA Law

Written by the Upsolve Team. 
Updated August 21, 2024

MBA Law is a debt collection business that focuses on collecting medical debt. They usually start the process by mailing letters or notices to individuals with unpaid medical bills. If you receive a letter from MBA Law, validate the debt before you do anything else. If the debt is valid, you can then decide to pay it, contest it, negotiate a debt settlement, or ignore it (not recommended). Read on to learn more about these options and what they mean for your finances.

How To Deal With Pressler, Felt & Warshaw LLP

Written by the Upsolve Team. 
Updated August 21, 2024

Pressler, Felt & Warshaw LLP is a debt collection law firm that represents creditors, debt collectors, and debt buyers. Pressler mostly collects consumer debts, like past-due credit card debt. They may initially contact you to collect a debt or to notify you that they filed a lawsuit against you. If Pressler, Felt & Warshaw reaches out to you, the first thing you should do is validate the debt. This guide explains how to do this and discusses your other options, such as disputing the debt or negotiating a debt settlement.

How To Deal With RMP Services

Written by the Upsolve Team. 
Updated August 21, 2024

Receivables Management Partners LLC (RMP Services) is a legitimate debt collection agency focusing on medical debt. If RMP Services contacts you, the first thing you’ll want to do is validate the debt. Once you verify that the debt belongs to you, you can choose how to deal with the collection agency. The main options you have are disputing the debt (if the information is incorrect or you disagree with the debt amount) or negotiating to pay a lower amount.

How To Deal With United Collection Bureau Inc.

Written by the Upsolve Team. 
Updated August 21, 2024

United Collection Bureau Inc. (UCB) is a legitimate debt collection agency that focuses on consumer debts. If UCB contacts you, the first thing you need to do is validate the alleged debt. After confirming the debt is yours, you can decide how to address the situation with UCB. You can dispute the debt if there are inaccuracies or if you disagree with the debt amount, or you can negotiate the down amount down by offering a debt settlement.

How To Deal With Aldous & Associates

Written by the Upsolve Team. 
Updated August 21, 2024

Aldous & Associates PLLC is a legitimate law firm and debt collection agency that focuses on consumer debts in the health and fitness industry as well as telecommunications and property management. If Aldous & Associates contacts you, you’ll first want to validate the debt. Once you’ve confirmed that the debt is yours, you’re in control of how you want to move forward with Aldous & Associates. Rest assured, you have options. You can dispute (challenge) the debt if there are any mistakes or you don’t agree with the amount, or you can negotiate to settle the debt by paying only a portion of the total debt owed. You get to decide which approach works best for you and your financial situation.

How To Deal With Revco Solutions

Written by the Upsolve Team. 
Updated August 21, 2024

Revco Solutions is a consumer debt collector and primarily collects past-due medical bills for its clients. In some cases, they also collect other types of consumer debt. If Revco Solutions contacts you, ask them to validate the debt before you do anything else. If they prove the debt is valid, you can decide how to proceed. You can dispute the debt, pay it in full, or negotiate the amount down.

How To Deal With Northstar Location Services

Written by the Upsolve Team. 
Updated August 21, 2024

Northstar Location Services LLC (a part of The Northstar Companies) is a legitimate debt collection agency that collects consumer debts. If Northstar contacts you, you need to validate the debt to ensure it is legitimate. After you confirm the debt is real and yours, you have a couple of options for moving forward with Northstar. You can dispute the debt (especially if you find inaccuracies or disagree with the specified amount), or you can negotiate to settle the debt. If you negotiate to settle the debt, you pay a portion of the total amount owed.

How To Deal With FBCS

Written by the Upsolve Team. 
Updated August 21, 2024

FBCS is a debt collection agency that works for clients in various consumer and commercial industries. FBCS uses multiple collection methods, including phone calls and letters. No matter how FBCS contacts you, the first thing you should do is validate the debt. This guide explains how to verify a debt and goes over the options of disputing the debt and negotiating a debt settlement.

How To Deal With Halsted Financial Services

Written by the Upsolve Team. 
Updated August 21, 2024

Halsted Financial Services is a debt collection agency with a primary focus on past-due consumer debts, such as personal loans, credit cards, and medical bills. If Halsted Financial Services calls you or sends you letters to collect a debt, ask them to validate the debt. This article explains how to verify a debt and explores your options, such as contesting the debt, negotiating a debt settlement, or ignoring the debt (not advised).

How To Deal With Capio Partners

Written by the Upsolve Team. 
Updated August 21, 2024

Capio Partners LLC is a third-party debt collection agency. They focus primarily on collecting past-due medical debt. If Capio Partners contacts you, make sure they validate the debt in writing before you do anything else. If the debt amount is wrong or you don’t owe the debt, dispute it. If you agree that you owe the debt, you can try to set up a payment plan or negotiate a debt settlement to pay less than the full amount you owe.

How To Deal With DCM Services

Written by the Upsolve Team. 
Updated August 21, 2024

DCM Services is a third-party debt collection agency that focuses on estate debt. They go after unpaid bills of people who have died by contacting their relatives. If DCM Services is contacting you, refrain from giving them any information until they validate the debt. Initially, they may be reaching out to identify the personal representative of the estate. Since DCM Services purchases debts from original creditors and lenders, they often have incorrect or incomplete information. If you think you rightfully owe DCM Services and are unable to pay, you should consider hiring a lawyer. This form of debt collection, especially with medical bills of the deceased, is a legally gray area, so it’s advisable to get professional help.

How To Deal With Wakefield & Associates

Written by the Upsolve Team. Legally reviewed by Jonathan Petts
Updated August 21, 2024

Wakefield & Associates is a prolific debt collector in the United States that specializes in collecting medical debts. If Wakefield & Associates contacts you, the first thing you should do is validate the debt. This article explains the validation process and discusses your available options, like filing a dispute, negotiating a debt settlement, or ignoring the debt (which isn’t recommended).

Want To Get Rid of Student Loans? Try These 6 Ideas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

If you feel like you’re drowning in student loan debt and need help managing or getting rid of it, you’re in luck. In this article, we rounded up six potential options to deal with overwhelming student loan debt, including loan forgiveness programs, loan discharge programs, loan settlement options, repayment plans, refinancing options, and bankruptcy.

Is an Income-Contingent Repayment Plan Right for You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

The Income-Contingent Repayment (ICR) Plan is one of four income-driven repayment options for federal student loans. It’s the only one of these four options that parent PLUS borrowers can utilize, which is one of the main upsides, if you have that kind of loan. The ICR has the longest repayment period of any income-driven plan at 25 years. This allows for lower monthly payments for borrowers but, the total amount paid over the loan's lifespan, including interest, is generally higher compared to other plans.

What Is Mortgage Deferral and How Does It Help Homeowners?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

If you’re experiencing a temporary hardship and need a little breathing room on your mortgage payments, you may be able to get a deferral or you can ask your lender for a late fee waiver. A mortgage payment deferral is designed to help you get back on track so that you can keep making your payments on time.

How Long Do I Have To Work To Qualify for Unemployment?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

While all states follow unemployment insurance guidelines set by federal law, each state is free to establish the eligibility requirements for unemployment benefits in their state. Because each state has different laws about the eligibility requirement for unemployment benefits, the amount of time required to qualify will depend on the laws of your state. This article will summarize the amount of time that UI claimants must work to qualify for benefits.

PACER Guide: How To Get Your Court Notices Without an Attorney

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

PACER stands for Public Access to Court Electronic Records. It’s a system to access case information, the docket, and the documents filed in a particular case electronically.

How Do I Find an Affordable Bankruptcy Attorney?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

While you don’t have to hire a lawyer to file a bankruptcy case, you may want legal assistance. If so, there are several resources you can use to find an affordable bankruptcy attorney, including your state bar association’s website, the National Association of Consumer Bankruptcy Attorneys, or a local legal aid organization. Many bankruptcy lawyers also offer a free consultation for prospective clients. You can get free legal advice during the consultation and learn more about the lawyer’s fees and options for paying them.

What Debts Can't You Get Rid of in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Though bankruptcy provides real debt relief for folks who are struggling to make ends meet, not every debt is treated equally under bankruptcy law. Bankruptcy is a great way to get rid of credit card debt, medical bills, and personal and payday loans. But bankruptcy can’t wipe out recent income tax you owe, alimony, child support, or debt incurred from illegal acts (embezzlement, larceny, etc.) Though there’s a common misconception that student loan debt can’t be erased in bankruptcy, you can discharge, or wipe out, your student loan debt in Chapter 7 or Chapter 13 bankruptcy. You must prove that repaying it is causing undue hardship and that you’ve made good faith efforts to pay in the past.

What Debts Can't You Get Rid of in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Though bankruptcy provides real debt relief for folks who are struggling to make ends meet, not every debt is treated equally under bankruptcy law. Bankruptcy is a great way to get rid of credit card debt, medical bills, and personal and payday loans. But bankruptcy can’t wipe out recent income tax you owe, alimony, child support, or debt incurred from illegal acts (embezzlement, larceny, etc.) Though there’s a common misconception that student loan debt can’t be erased in bankruptcy, you can discharge, or wipe out, your student loan debt in Chapter 7 or Chapter 13 bankruptcy. You must prove that repaying it is causing undue hardship and that you’ve made good faith efforts to pay in the past.

How To Get a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Everyone who wants to file for bankruptcy has to take a credit counseling course before they can do so. While there is a small cost associated with this requirement, it is possible to take the required course for free by requesting a fee waiver.

How To Get a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

Everyone who wants to file for bankruptcy has to take a credit counseling course before they can do so. While there is a small cost associated with this requirement, it is possible to take the required course for free by requesting a fee waiver.

What Are Florida's Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 14, 2024

If you’ve been a Florida resident for at least two years and you file Chapter 7 bankruptcy, you’ll need to use the state’s exemptions to protect your property. Exemptions are laws that outline how much of different kinds of property are protected when you file a bankruptcy case. Most filers see that all their property is protected. In Florida, the homestead exemption protects all the equity you have in your home, given you meet a few criteria. The motor vehicle exemption is only $1,000, but if you don’t use the homestead exemption, you can apply the $4,000 wildcard exemption to your vehicle (or any other property) as well.

What Are the Texas Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 14, 2024

Texas has more generous bankruptcy exemptions than many other states. It also allows bankruptcy filers to choose whether they want to use the Texas state bankruptcy exemptions or the federal bankruptcy exemptions. In many cases, the state exemptions are more beneficial to bankruptcy filers who own a home or car. But unlike the federal exemptions, Texas doesn’t offer a wildcard exemption to protect personal property of your choosing.

What Are the Ohio Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 7, 2024

Bankruptcy exemptions are rules that allow people who file for bankruptcy to keep certain important items instead of having to sell them to repay their debts. If you’re filing bankruptcy in Ohio, you must use the state’s exemptions to protect your property. Ohio has a homestead exemption of up to $161,375 for individual filers ($322,750 for married couples), a $4,450 motor vehicle exemption, and a $1,475 wildcard exemption. It also has exemptions for personal property and money benefits.

How To Deal With Debt Collectors (When You Can’t Pay)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

If you’re being contacted by debt collectors for a debt you simply can’t repay, it’s important to know your rights to protect yourself from harassment and validate the debt. Once you know the debt is valid, look into your debt relief options. Getting a free consultation with a nonprofit credit counselor can help you understand your options and make a plan to deal with your debt.

What Is Credit Counseling?

Written by Attorney Tina Tran. 
Updated August 1, 2024

Credit counseling is a great starting point for people who need help figuring out the best way to deal with their debt. Nonprofit credit counselors review your income and debt and help you develop a personalized plan to repay your debts. They’ll go over several potential debt relief solutions, including budgeting, starting a debt management plan, consolidating your debt, or filing bankruptcy.

What Is a Debt Management Plan?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

A debt management plan allows you to combine your debts and make one monthly payment with a lower interest rate. It's set up by a credit counselor and usually takes 3-5 years to complete. Only certain kinds of debt, such as credit card debt, can be included in a DMP. If you have a lot of debt that's secured by collateral (like a house or car loan), a DMP may not be the best option. But you can look into other debt relief options including filing Chapter 13 bankruptcy.

What Is a Debt Management Plan?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

A debt management plan allows you to combine your debts and make one monthly payment with a lower interest rate. It's set up by a credit counselor and usually takes 3-5 years to complete. Only certain kinds of debt, such as credit card debt, can be included in a DMP. If you have a lot of debt that's secured by collateral (like a house or car loan), a DMP may not be the best option. But you can look into other debt relief options including filing Chapter 13 bankruptcy.

What Is Debt Consolidation?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

Debt consolidation is when you combine multiple debts into one. The goal of consolidating your debt is to reduce your monthly payment and get a lower interest rate. It also simplifies your debt repayment, so you're less likely to miss payments each month. Debt consolidation loans and credit card balance transfers are two common types of debt consolidation.

What Is Debt Consolidation?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

Debt consolidation is when you combine multiple debts into one. The goal of consolidating your debt is to reduce your monthly payment and get a lower interest rate. It also simplifies your debt repayment, so you're less likely to miss payments each month. Debt consolidation loans and credit card balance transfers are two common types of debt consolidation.

Debt Relief: What Are the Options & How Do They Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

Being in debt is stressful, but did you know you have several options to address your debt and find financial security? The most common debt relief options are: 1. Debt management plans (DMPs), which are facilitated by nonprofit credit counselors for a small fee 2. Debt consolidation, which includes DMPs but can also be done by taking out a personal loan or doing a credit card balance transfer to a credit card offering 0% APR for a period of time 3. Debt settlement, which is where you negotiate a discount on your debt in collections 4. Bankruptcy, which is where you file paperwork with a court to get a financial fresh start by discharing credit card debt, medical bills, utility bills, personal loans, and payday loans

What Is Debt Settlement?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

Debt settlement is a type of debt relief. If a creditor agrees to a debt settlement, you make a lump-sum payment for less than the total debt you owe and they forgive the rest. This can work well if you have a large sum of cash at hand. But many who've fallen behind on paying their debts don’t. If you try to save up money to settle a debt, you'll hurt your credit in the meantime if you stop making your debt payments.

What Is Debt Settlement?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 1, 2024

Debt settlement is a type of debt relief. If a creditor agrees to a debt settlement, you make a lump-sum payment for less than the total debt you owe and they forgive the rest. This can work well if you have a large sum of cash at hand. But many who've fallen behind on paying their debts don’t. If you try to save up money to settle a debt, you'll hurt your credit in the meantime if you stop making your debt payments.

Pros & Cons of Debt Settlement

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

There are pros and cons to most financial decisions. And debt settlement is no exception. Debt settlement helps you pay off old debt, but it can also hurt your credit score. You need a good credit score to get a credit card, auto loan, mortgage, and sometimes even a job. How are you supposed to get ahead if paying off your debt sets you further behind? In this article, we’ll take a closer look at the pros and cons of debt settlement, so you can decide what’s best for you.

Writing a Debt Settlement Offer Letter

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2024

It's usually most effective to negotiate a debt settlement over the phone with the debt collector. Once you negotiate a settlement, it's important to get the agreement in writing.

What Are the Colorado Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 2, 2024

Bankruptcy exemptions help bankruptcy filers protect the property they own so they don't have to start over with nothing after their debts are discharged. Colorado has opted out of the federal bankruptcy exemptions, so residents must use the state exemptions instead. Fortunately, Colorado has generous bankruptcy exemptions, which were expanded and revised in 2022, including a $250,000 homestead exemption (for filers under 60) and a $15,000 motor vehicle exemption.

How To Pay Off Credit Card Debt When You Have No Money

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 10, 2024

Common advice for getting out of credit card debt, like tightening your budget and repaying high-interest accounts first, only works if you actually have extra cash to put toward your credit card debt. What are you supposed to do if you don’t have money to put toward your debt? Read this article to learn more about alternative methods for paying down credit card debt, including debt consolidation, debt management programs, and debt settlement.

What Happens if I Don’t Pay an Unsecured Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 21, 2024

Unsecured debt is any debt that isn’t backed by collateral. The most common types of unsecured debt are credit card debt, student loans, personal loans, cash advances, medical debt, retail store accounts, and money borrowed from family or friends. If you default on unsecured debts, the lender can send your account to a collection agency, which can lead to stressful phone calls and notices, a lowered credit score, and more difficulty getting new credit in the future.

Can I Fix Negative Information on My Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

This article will explain how to get your credit report and what types of information — positive and negative — will appear on your report. We'll also talk about how to fix your credit report when misinformation appears on your credit history.

How To Pay Off Collections: A Complete Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 19, 2024

Here's how to pay off a debt in collections: Step 1: Know Your Rights Step 2: Respond to the Debt Collector or Collection Agency Step 3: Verify the Debt Step 4: Check the Statute of Limitations in Your State Step 5: Review Your Budget & Make a Payment Strategy Step 6: Get Your Agreement in Writing Step 7: Check Your Credit Report If you're struggling to repay several debts, it may be time to look into Chapter 7 bankruptcy. Filing Chapter 7 stops all collections activities (thanks to the automatic stay) and can erase most types of consumer debt.

Your Guide To Rebuilding Credit After Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2024

A bankruptcy does not destroy your credit forever. Instead, following some simple tricks and taking advantage of the various credit repair tools can help you build a stronger credit report and higher credit score after filing for bankruptcy.

Your Guide To Rebuilding Credit After Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 18, 2024

A bankruptcy does not destroy your credit forever. Instead, following some simple tricks and taking advantage of the various credit repair tools can help you build a stronger credit report and higher credit score after filing for bankruptcy.

Will a Car Repossession Keep You From Getting a Home Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

Repossession is one type of negative event on a credit report that can affect approval for any type of loan, especially a mortgage. While a repossession won’t directly prevent you from getting a mortgage loan, it won’t make it easy. Because everyone’s credit profile is different, it’s hard to predict the impact of a repo on anyone’s home loan application. This article will explain how a repossession can affect your credit history and how it affects getting approved for a mortgage loan.

How a Lawyer Can Help You With Car Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

Having your car taken back by a lender is understandably a terrible experience, and you might be wondering what your options are. Although there are steps you can take on your own, a lawyer knowledgeable about car repossession can help. Most importantly, they can explain the car repossession process and provide you with options specific to your situation. This article will explain how a lawyer can help you, what things lawyers cannot do in the event of a car repossession, and how to find a lawyer.

California Repossession Law

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 5, 2024

California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. There is no legally required grace period, and the repossession company doesn’t have to give you notice that they are repossessing your car.

Can I Lose My Tax Refund if I Default on Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 25, 2024

Yes, unfortunately your tax refund can be taken (garnished) if you’ve defaulted on your federal student loan. Federal student loans are guaranteed by the U.S. government, and the government has power over tax refunds. Only federal student loan borrowers are subject to tax garnishments. Private student loan holders can have their wages or bank account garnished, but the private lender cannot garnish your tax refund and must take extra steps, such as going through the courts, to order a garnishment. In this article, we explain the student loan tax garnishment process and give you some tips on how to keep your tax refund money safe from garnishment.

How Can I Get Free Legal Aid Help To File Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated February 10, 2024

Legal advice can be very helpful as you navigate the bankruptcy process, but not everyone can afford to hire an attorney to help them. That's where legal aid comes in. Legal aid organizations offer free or low-cost legal help to certain individuals. Eligibility is often based on income, but sometimes age, veteran status, or other factors come into play as well. This article will describe what legal aid is, how to find out if you qualify, and what it's like to work with a legal aid organization.

Legal Aid partnering with Upsolve

Written by the Upsolve Team. 
Updated February 10, 2024

Screen individual who calls for the following ten criteria. If they pass, let them know they can go to Upsolve.org to produce their paperwork and file their forms. If you have attorney resources, you can let the individual know that after they’re done preparing their forms with Upsolve, they can come back to you to get the forms reviewed.

The Florida Consumer Collection Practices Act

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 9, 2024

In Florida, you have even more protections from unfair collection practices than you would in other states. The Florida Consumer Collection Practices Act (FCCPA) works with the federal Fair Debt Collection Practices Act to help limit phone calls, threatening letters, and other types of unfair actions from collection agencies and other types of debt collectors. It protects Florida consumers and gives them the right to sue debt collectors that have violated the FCCPA. Keep reading to learn more about the Florida Consumer Collection Practices Act and your rights under federal and state consumer protection laws.

Understanding a Bank Levy and What You Can Do if Your Account Is Frozen

Written by Attorney William A. McCarthy. Legally reviewed by the Upsolve Team
Updated February 2, 2024

If a creditor or debt collector sues you for an unpaid debt and they win, they may be able to get a court order for a bank levy. This allows them to take funds you owe directly from your bank account. Most creditors will have to jump through some legal hoops to do this, but some government agencies can levy your bank account without first getting a court order.

Who Pays for Bankruptcies?

Written by the Upsolve Team. 
Updated January 23, 2024

When individuals find themselves in debt, bankruptcy can be a solution that gives you a fresh start. But when someone files for bankruptcy, who pays for it? Learn more here.

Filing for Bankruptcy

Written by the Upsolve Team. 
Updated January 23, 2024

Although filing for bankruptcy can be a difficult decision to make, it is also a solution that will release you from crippling debt. Learn everything you need to know here before you get started.

REPAYE Plan 101

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 21, 2023

The Revised Pay As You Earn Repayment Plan (REPAYE Plan) is an income-driven repayment (IDR) plan for federal student loans. Borrowers who aren’t in default and have an eligible federal student loan can make payments under the REPAYE Plan. It requires you to pay 10% of your discretionary income, and the repayment period is 20-25 years.

Debt Settlement Attorneys: How Can They Help?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

One way you can get debt relief is through debt settlement. A good debt settlement attorney can help you settle your debts. They should also be able to provide advice on other debt-relief options like debt consolidation, debt management, and bankruptcy. A debt settlement lawyer may be able to help you get a better overall settlement deal. Perhaps most importantly, they can help you avoid the stress of communicating with aggressive debt collectors. This article will explain debt settlement and the benefits of hiring a debt settlement attorney.

When Will a Debt Collector Sue for Unpaid Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 18, 2023

Though there's no standard timeline, you may be most at risk of a debt collection lawsuit after six months of not paying your debt. If you stop making timely payments on a debt, your creditor will first attempt to collect it by sending you notices of nonpayment. This may go on for several weeks before collection attempts intensify. Eventually, the creditor may charge off the debt to a third-party collection agency. If the debt collector can’t successfully collect the debt, you may be at risk of a lawsuit.

California Debt Collection Laws

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 8, 2023

California has two important laws — the Rosenthal Act and the Debt Collection Licensing Act — that protect California residents against original creditor and third-party debt collector harassment and abuse. Californians also benefit from the federal Fair Debt Collection Practices Act, which offers many protections and gives you certain rights. The statute of limitations for most consumer debt is four years in California.

What Are the Pros and Cons of a Lease-To-Own Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2023

A lease-to-own (or rent-to-own) program allows borrowers to make installment payments on a vehicle over a period of time determined in the lease. Once all the car payments have been made, the borrower (the lessee) assumes ownership of the vehicle. These arrangements can particularly benefit borrowers who have bad credit and don’t qualify for traditional leases or car loans. That said, these agreements tend to be expensive, so it’s important to understand the terms of the lease-to-own contract before you enter into one.

Should You Surrender an Unwanted Car in Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 27, 2023

If you’re financing a car with a car loan, you’ll need to decide how to deal with it when you file bankruptcy. If the payments are too high or you simply want to get rid of the car and the loan, you can surrender the vehicle back to the lender and have the debt discharged as part of your bankruptcy case. Often, the lender will pick up the car or schedule a mutually agreeable place to meet. If they don’t, you may need to seek legal help.

How To Dispute a Debt You Don’t Owe

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated October 10, 2023

If you’re contacted about a debt you don’t owe, you’ll want to dispute it with the creditor or debt collector. Often these consumer debts are also incorrectly reported to the three major credit bureaus, so you’ll want to check your credit report, too. You can also send a dispute letter to the credit bureaus asking them to remove incorrect information. Here are the four basic steps to dispute a debt you don’t owe: 1. Ensure the debt collector has validated the debt. 2. Send a dispute letter (or the tear-off portion of the debt validation letter, which allows you to easily start the dispute process). 3. Check your credit report and send a credit dispute letter or notices of dispute to any reporting agency with inaccurate information. 4. Follow up if/as needed until the matter is resolved.

Removing a Judgment from Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Having a judgment on your credit report will lower your credit score, sometimes significantly. In some instances, though, you can get this negative information removed from your credit history. As with any item on your credit report, you have the right to dispute any judgment on your report that you feel has been made in error or has already been resolved. If a creditor has entered a judgment against you, here’s what you’ll need to do to get it removed from your credit report.

How Much Does Credit Repair Cost?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

While a credit repair service cannot do anything that you can’t do yourself, it may be more convenient for you to enlist their help. Just remember that the cost of credit repair varies depending on the borrower’s circumstances, what type of debt they have, and what blemishes they have on their credit report. Read more to learn how to repair your credit yourself, what the benefits might be of hiring a credit repair service, and how to find a reputable one if that is the route you end up taking.

What Is a Judgment and What Do I Do About It?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

A judgment is a court order. If a creditor obtains a debt-related judgment against you, it allows them to recover the debt. Consumer and personal debt from medical bills, car loans, credit cards, back rent, student loans, IRS debt, child support, and other overdue financial obligations can result in a judgments if you get sued for the debt and the creditor wins the lawsuit. These judgments can be structured as a monetary judgment or a judgment lien against property. Filing for bankruptcy can help you prevent, pause, or even stop, certain judgments, including wage garnishments and bank account levies.

Debt Lawyers: Who Are They & What Do They Do?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 21, 2023

As a consumer, you have certain legal rights and protections. These rights extend to your interactions with debt collectors and collection agencies. If you’re being harassed by a debt collector, you can hire a debt lawyer to help you understand and defend your rights. These attorneys can also help defend you against debt collection lawsuits. If you just need help figuring out what to do about overwhelming debt, a debt settlement lawyer can explain your debt relief options and help you pursue them successfully.

What To Do if a Debt Collector Is Calling You at Work

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 19, 2023

Debt collectors can call you at work unless and until you tell them to stop calling. Under federal law, debt collectors and creditors are prohibited from contacting borrowers at work once they have reason to know that a borrower's employer doesn't permit these kinds of calls. The law does allow for other collection tactics, so it is important to know your rights concerning debt collection communications.

Stop Debt Collectors With a Cease and Desist Letter (+ Template)

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 19, 2023

A cease and desist letter is a formal written request that you send a debt collector telling them to stop contacting you about a debt. Once the debt collector receives a cease and desist letter, they must stop further contact save for one final call to tell you what actions they intend to take. While sending a cease and desist letter is a good way to stop debt collectors from harassing you, it doesn’t make your debt disappear. If the debt is valid, the debt collector may choose to take legal action to recover the debt.

What’s the Best Student Loan Repayment Plan for Me?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 11, 2023

The best student loan repayment plan is the one that works for you, your goals, and your financial situation. To figure out your best option, do your research and consider the pros and cons of each plan. (Hint: Consider whether the monthly payment will be affordable and also how much interest you’ll pay over the life of the loan.) Then sign up for the plan that makes the most sense for you. The good news is that the federal government provides a lot of flexibility to borrowers, and you can change your repayment plan anytime. There are four types of federal student loan repayment plans. Most borrowers stick with the 10-year Standard Repayment Plan or choose an income-driven repayment plan. Though they are less common, Graduated Repayment Plans or Extended Repayment Plans offer a smart option for some borrowers.

4 Income-Based Repayment Options for Federal Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 11, 2023

There are four different income-driven repayment plans for student loan borrowers that received federal student aid. The IBR Plan, the SAVE Plan ( formerly the REPAYE Plan), the PAYE Plan, and the ICR Plan. They each have different eligibility requirements and potential benefits compared to the standard repayment plan.

Can You Get Student Loan Forgiveness if You Drop Out?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 7, 2023

Most people go to college with hopes of getting a degree and creating a good life for themselves. Unfortunately, unforeseen hardships — often financial — lead many students to drop out before they finish their degree. If that’s you, know that you have options to deal with your student loan debt! You may still qualify for student loan forgiveness programs like Public Service Loan Forgiveness (PSLF), or loan forgiveness after paying on an income-based repayment plan. If you need a temporary repayment pause while you find work or figure out your next steps, you can apply for forbearance or deferment.

8 Effective Strategies To Lower Your Student Loan Payments

Written by the Upsolve Team. 
Updated September 6, 2023

If you’re worried about how you’re going to make your student loan payment once the repayment pause ends this summer, it’s good you’re planning ahead and doing some research! You have many options to lower your student loan payment, including: 1. Signing up for an income-driven, graduated, or extended repayment plan 2. Enrolling in autopay 3. Refinancing or consolidating your student loans 4. Applying for deferment or forbearance 5. Requesting a temporary payment decrease or deferral (if you have a private student loan)

10 Options if You Can’t Make Your Student Loan Payments

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 6, 2023

If your student loans are coming due and you can’t afford the payments, don’t panic. This article explores 10 strategies to help: 1. Apply for an income-driven repayment plan. 2. Refinance your loans. 3. Seek financial counseling. 4. Increase your income and/or lower expenses. 5. Consolidate your loans. 6. Set up automatic payments. 7. Request student loan deferment. 8. Apply for student loan forbearance. 9. Negotiate with your lender. 10. File bankruptcy to erase student loans for good.

Why Do I Keep Getting Calls About Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 6, 2023

If you’re a student loan borrower, you’re probably used to receiving phone calls, letters, emails, and text messages about your student loan debt. While some of these are legitimate messages from federal loan servicers, many are scams. If you're getting calls about student loans and you don't have any loans, that's a good sign it's a scam. Below, we go into detail on how to spot/prevent a scam. Bottom line? If it seems too good to be true, it's most likely a scam.

Where Do I Find Out How Much I Owe in Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

If you want to go back to school, finance a house, manage your debt, or file for bankruptcy, you’ll want to find out how much you owe in student loans. It might feel like you need a degree in finance to keep track of your financial aid, but we’re here to help! Below, we detail how to figure out your federal and private student loan balance, how to manage your student loan debt, and what to do if you cannot stay on top of your student loans.

Guide to Extended Repayment Plans & Managing Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

An Extended Repayment Plan is a student loan repayment plan that allows borrowers to lower their monthly payment amount by stretching repayment over 25 years. To qualify, you must have Direct Loans or Federal Family Education Loans (FFEL), and your loan balance must be at least $30,000. You can choose from fixed payments or graduated payments in an Extended Repayment Plan. You will not be eligible for Public Service Loan Forgiveness (PSLF) if you enroll in an extended plan.

Student Loan Forgiveness Programs for Nurses

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 1, 2023

Becoming a nurse takes dedication and lots of education, which means it’s likely you have at least some student loan debt. Luckily there are several specialized student loan forgiveness programs to help nurses erase their student debt. The most popular and well-known forgiveness program is the Public Service Loan Forgiveness Program (PSLF), where borrowers pay an income-based monthly payment for 10 years and then have their remaining debt forgiven. But there are other forgiveness programs as well, including the Federal Perkins Loan program, the Nurse Corps Loan Repayment Program, the National Health Service Corps (NHSC) Program, the NHSC Rural Community Program, the National Institute of Health Program, and more. Below we detail the different student loan forgiveness options as well as the qualifications for each specific program. Take a look!

What Is a Time-Barred Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2023

A time-barred debt is one where the creditor has missed the deadline to legally bring a claim against you in court. Unfortunately, debt collectors may still try to contact you about old debts that are time-barred by the statute of limitations. But there are ways to deal with these debt collectors. Read this article to learn more about how to tell if your debt is covered by a statute of limitations and what to do if you’re contacted by a creditor that is trying to collect a time-barred debt.

Can You Remove Collection Accounts From Your Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2023

If you have a debt sent to collections, it will be recorded on your credit report and hurt your credit score. Sometimes collections accounts are incorrectly reported or reported on old debt. If there are errors regarding collections accounts on your credit report, you have the legal right to dispute them and have them removed. This shouldn't cost you anything. You can also write a goodwill letter to ask the creditor or collection agency to remove the collections account from your report. This isn’t guaranteed to work, but it won’t hurt to ask. If the information about the collections account is correct and current, you can’t have it removed from your credit report. Be aware that so-called credit repair companies that offer to clean up your credit report for a fee may be a scam.

Student Loan Forgiveness for Healthcare Workers: The Ultimate Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 29, 2023

There are many programs designed specifically for healthcare workers to receive student loan forgiveness. Most serve specific types of healthcare workers and have other requirements around the length of time you work in healthcare and where you work. Consider each of these factors as you look at your options. If you’re struggling to pay your loans, you can also consider applying for a loan deferment or forbearance or switching to an income-driven repayment plan to help make your monthly payments more manageable.

What Is the Standard Repayment Plan for Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 29, 2023

Standard repayment plans are available thanks to several different repayment option choices. These plans include extended, graduated, income-contingent, and income-based. All of these options provide borrowers with the ability to lower their monthly payments or extend the term of their loan thereby keeping their payments low.

5 Solid Steps for Negotiating With Debt Collectors

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 25, 2023

If your debt has been turned over to a debt collection agency, negotiating with that debt collector may seem intimidating. But in many cases, negotiating with creditors or lenders isn’t as hard as you may think. To successfully negotiate a debt settlement agreement: - Verify the debt and debt collector - Know your rights - Review your finances and develop a plan - Start negotiating the settlement and be prepared for counteroffers - Get the agreement in writing

Yes, Your Paycheck Can Be Garnished if You Don’t Pay Your Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 23, 2023

If you fall behind on your student loan payments, the lender may garnish your wages. This means that a portion of your paycheck will be withheld by your employer and sent directly to your loan servicer to repay your debt. Wage garnishment can have a significant impact on your finances and make it difficult to meet your basic living expenses. However, you have options available to avoid default and wage garnishment, such as loan consolidation, income-driven repayment plans, and loan rehabilitation. It's important to understand your rights and options when it comes to repaying your student loans to avoid wage garnishment and other negative consequences.

If I Go To Grad School, Can I Defer My Student Loans?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2023

In many cases, you can defer your undergraduate student loans if you go to grad school. When you defer a loan, you aren’t responsible for making the monthly payments for a period of time. Interest on the loan may continue to accrue though.

The Complete Guide To Disputing Student Loans on Your Credit Report

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2023

Some student loan borrowers find errors on their credit report. So, it’s a good idea to get in the habit of checking your credit report from each of the big three credit reporting agencies — Equifax, Experian, and TransUnion — at least once a year. Luckily, you can get your credit report for free, without impacting your credit score. You also have the right to dispute inaccurate information on your credit report and have it removed. Let’s review what to check for and how to deal with inaccuracies.

What Is the Statute of Limitations for Debt?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 17, 2023

Statutes of limitations are state laws that limit the time a debt collector has to bring a lawsuit. After the statute of limitations has passed, debt collectors can still sue you, but the statute of limitations is a strong defense in a debt collection lawsuit. The length of these laws can vary tremendously by state and by the type of contract you made for the debt (oral, written, etc.).

Private Student Loans and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

Defaulting on the payment of your private student loans can negatively affect your credit score and result in other undesirable consequences. One is wage garnishment. A private student loan lender can even levy or take money from your bank account. Thankfully, there are solutions that can help you avoid these challenges and even provide debt relief.

Student Loan Garnishments And Hardship

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

If you default on your student loans, you risk having your wages, taxes, and Social Security benefits garnished. Your credit score will also suffer. To avoid a student loan wage garnishment, or to reduce the amount that will be garnished, you need to take action. You can do this even after you’ve defaulted on your student loan. In this article, we’ll help you learn how to manage student loan wage garnishments, so you can avoid adding to your financial troubles.

Who Can Garnish My Wages?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2023

Many types of creditors have the right to file a complaint in court for unpaid debt. Wage garnishment laws give creditors the ability to withhold money from your paycheck, but not all creditors are required to go to court before they can garnish your wages. This article will explain what wage garnishment is, who can garnish your wages, and how bankruptcy can help stop wage garnishment.

What Are Disposable Earnings?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

Did you know that creditors have the right to seek a garnishment order against you if you fail to repay your debt? This article will give you an overview of what income may be garnished under the law and how to avoid and/or stop garnishment actions by filing a Chapter 7 bankruptcy case.

Bankruptcy Basics: What Is Bankruptcy & How Do I File?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

In a nutshell, a bankruptcy case is a legal course of action that puts your debt behind you so you can get a fresh start. This article will give you a short explainer on bankruptcy basics, including what types of cases you can file, how to file bankruptcy, and what to expect from the bankruptcy process.

What Is Bankruptcy?

Written by Attorney Andrea Wimmer. 
Updated August 10, 2023

Bankruptcy is a legal tool to obtain debt relief and get a fresh start. Chapter 7 and Chapter 13 bankruptcy are the most common types. This article explores consumer bankruptcy basics, the different types of bankruptcy, and the bankruptcy process overall.

What Is My Bankruptcy Discharge Date?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

The ultimate goal of bankruptcy is to get a discharge order, which wipes out debts like credit cards and medical bills. Along with your bankruptcy case number, keep your discharge date handy in case you’re contacted about a debt that was discharged.

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

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.

Discharge vs. Dismissal: What's the Difference?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

When filing bankruptcy for the first time, many people get confused about the different terms lawyers and courts use. Two words that frequently confuse first-time filers are “dismissed” and “discharged.” This article explains each term, what the differences are, and when lawyers and the court are most likely to use them when referring to your case.

What Does a Bankruptcy Discharge Do?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 9, 2023

A bankruptcy discharge is a court order that wipes out certain debts like credit card debts and medical bills. Once you receive a discharge, you're no longer legally obligated to repay the debts that were discharged. Some debts, like those that are secured by collateral, can only be discharged if you give up the collateral. In Chapter 7 cases, dischargeable debts will be eliminated in a matter of months. In Chapter 13 cases, the filers must complete their 3-5 year payment plan before their dischargeable debts are eliminated.

What Does a Bankruptcy Discharge Do?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 9, 2023

A bankruptcy discharge is a court order that wipes out certain debts like credit card debts and medical bills. Once you receive a discharge, you're no longer legally obligated to repay the debts that were discharged. Some debts, like those that are secured by collateral, can only be discharged if you give up the collateral. In Chapter 7 cases, dischargeable debts will be eliminated in a matter of months. In Chapter 13 cases, the filers must complete their 3-5 year payment plan before their dischargeable debts are eliminated.

How To Dispute or Reduce Expensive Medical Bills

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

Even if you have health insurance, deductibles, copays, and non-covered services can add up quickly. Without health insurance, medical bills become unmanageable fast. Some people don’t realize you can negotiate medical bills. Also, billing mistakes can lead to overcharges. Here are some tips for dealing with expensive medical bills: - Compare your itemized bill to your insurer’s explanation of benefits - Ensure you were charged for the correct services and dispute errors - If your insurer denies a claim for services that should be covered, appeal the decision - Ask for financial assistance from the provider and explore community resources - Negotiate your medical bills by offering payment - Know your rights around surprise medical bills - Don’t use credit cards to pay medical bills (to avoid mounting interest/fees and consequences to your credit)

How To Stop Collection Calls: A Comprehensive Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

If you have debt you’re struggling to manage, you don’t need the added stress of irritating collection calls. Keep reading to learn how you can stop debt collection calls from interrupting your life.

Does Bankruptcy Clear Judgments?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

When a creditor or debt collector gets a judgment against you, it's dischargeable as long as the original debt was dischargeable. The question becomes a bit more complicated if the creditor gets a judgment lien on your property. Here’s how it works.

Can I File Bankruptcy Even Though I’m Unemployed?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

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.

What are Priority Unsecured Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

We usually hear debts divided into two categories: secured and unsecured. A debt is secured if the lender has a security interest in some property and can take that property if you don’t pay. But, in bankruptcy, there are other important distinctions. Some unsecured debts get special treatment. In this article, we’ll explain the different types of unsecured debt, and what it means when a debt has priority.

How A Personal Bankruptcy Lawyer Can Help You Erase Debt

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

A personal bankruptcy lawyer can help you erase debts or you may choose to file bankruptcy on your own. Depending on the complexity of your situation and the type of bankruptcy you file, hiring a personal bankruptcy lawyer can be a great investment.

Bankruptcy for Senior Citizens

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

Filing any bankruptcy can be a complicated process but filing bankruptcy as a senior citizen can be especially challenging. This article will discuss when bankruptcy may be right for seniors, the types of bankruptcy and debt relief alternatives to filing for bankruptcy.

What Does Bankruptcy Mean?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 8, 2023

Bankruptcy is one of those words that everyone’s heard but many don’t really know what it means. Especially with so many high profile bankruptcies in the news these days, it can be hard to figure how bankruptcy can actually help a regular consumer. Let’s take a look at what bankruptcy means and how the different types of bankruptcy enable you to take back charge of your finances.

Is Filing for Bankruptcy Worth It?

Written by the Upsolve Team. 
Updated August 8, 2023

Filing bankruptcy gives you immediate protection from your creditors and a financial fresh start by wiping out certain debts like credit card debt, payday loans, and medical debt. If your wages are being garnished or credit card companies and payday lenders are harassing you to collect payments you can't afford to pay, filing bankruptcy may be the best way to get permanent relief. But if most of your debts are non-dischargeable, filing bankruptcy may not be worth it.

Can a Repo Man Enter a Locked Gate?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2023

If you've fallen behind on your car payments, you've probably started getting phone calls from the bank about a repossession. The good news is, the repo man can't legally enter a locked gate or garage without your permission. But, a repo agent may legally enter your yard, driveway, or other private property if nothing is blocking their access. Keep reading to learn more.

Repossession: The Basics

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2023

Repossession is when a lender takes back property that was used as collateral for a loan. If you’re behind on your car loan payments, you could suddenly lose your car, boat, appliances, or furniture without warning through repossession. On top of that, having a repossession on your credit report will hurt your credit score. Read this article to learn more about the repossession process and how you can get back on track.

Bankruptcy Issues Same-Sex Couples Face

Written by the Upsolve Team. 
Updated August 1, 2023

So long as a couple is legally married, they can file bankruptcy together. And same-sex married couples who file bankruptcy are treated just like heterosexual married couples. They have the same right to file bankruptcy jointly and the same responsibility to list their spouse’s income and any community property in their bankruptcy forms.

How Can Bankruptcy Help You With Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Filing for bankruptcy will stop foreclosure proceedings temporarily due to the benefits of the automatic stay. A Chapter 13 bankruptcy may allow you to keep your home by allowing you to make up your past-due payments via a 3-5 year repayment plan.

How Does Debt Settlement Affect Your Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Debt settlement allows you to pay off a debt for less than the total you owe, but it can lower your credit score. If you compare the permanent benefits of getting rid of a debt burden against the temporary negative aspects of a lower credit score, you might find that debt settlement is a good option for you. If you’re interested in settling your debt, keep reading to learn how debt settlement affects your credit score and whether debt settlement or a different debt relief option is the best for you.

Your Credit Score Is Not Ruined Forever After a Bankruptcy Filing

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

Bankruptcy is a useful debt relief tool. It can give you a fresh start when unpaid debt becomes unmanageable. Sadly, many people attach a stigma to filing bankruptcy and fail to see its advantages and benefits. Instead, they focus on the notion that bankruptcy will forever ruin their credit. But this is just one of the many myths of bankruptcy. It often causes people to put off filing, which only delays bankruptcy’s benefits. While your credit score is affected by bankruptcy in the short term, we’ll discuss how your credit score is not permanently ruined by filing bankruptcy.

Should I Pay the Debt Collector or the Original Creditor?

Written by the Upsolve Team. 
Updated August 1, 2023

If you’re able to do so, pay the original creditor before your debt goes to collections. Having a debt sent to collections will damage your credit score and may limit your options for repayment. In most cases, the original creditor will offer better repayment options than a debt collector will. However, if your debt has been sold to a debt buyer and the original creditor no longer owns it, you’ll need to pay the collection agency to clear up the debt.

How It Started… One Upsolver’s Quest To Discharge Her Student Loans

Written by the Upsolve Team. 
Updated August 1, 2023

One Upsolver who is actively in the process of seeking a discharge of her student loans has shared parts of her journey with us. While her incredibly detailed outline will soon be turned into a guide of sorts, we thought it might be helpful to give others an idea of where she started.

The Complete Guide To Refinancing Student Loans

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

When you refinance your student loans, you take out a new loan and use it to pay off your existing student loans. There are pros and cons to refinancing: The biggest pro is that you may get a lower interest rate or be able to reduce the amount of your monthly payments. Reducing your interest rate means you pay less over the long run. Lowering your payments each month can help you stay on top of your debt if you’re struggling. If you have federal loans, the biggest drawback to refinancing is that you’ll lose certain benefits like access to student loan forgiveness and economic hardship programs. Regardless of the type of loans you have, you’ll need a good credit score (or a co-signer with a good score) to get approved for a student loan refinance and get a good interest rate.

Student Loan Rehabilitation: How To Get Out of Default

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

Student loan rehabilitation is one way to get your federal student loans out of default status. If you’re currently trying to get student loan relief but aren’t eligible for any programs because you’re in default, student loan rehabilitation may be exactly what you need for your fresh start. To get your student loans rehabilitated and out of default, you need to contact your loan servicer, create a payment plan, complete the required paperwork, and make a certain number of monthly payments.

IRS Wage Garnishment Procedures

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

If you owe the IRS unpaid taxes, they might collect on the debt by putting a garnish on your wages and collecting their money directly from your paycheck. Learn about the rules they must follow when garnishing wages, including how much of your income is exempt from garnishment and how much notice they are required to give you. Also, find out what you can do to stop a wage garnishment that's already in place.

Foreclosures & Eviction Protections Under The CARES Act

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

As Americans struggle to cope with the financial uncertainty caused by the Covid-19 pandemic, the United States Congress has passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Among other things, the CARES Act protects borrowers of federally backed mortgage loans from foreclosure. This article will discuss the foreclosure protections, moratorium on evictions, and other mortgage relief implemented by the CARES Act.

What To Do if the Trustee Says You Owe Money to the Estate

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated July 28, 2023

If you own property that's not protected, or not fully protected, by exemptions, you may owe money to your bankruptcy estate. You can either pay the money into the estate and keep the property or asset, or you can surrender the property, keep the exempted amount, and not have to pay into the estate.

Bankruptcy and the Homestead Exemption

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 27, 2023

Bankruptcy exemptions play an important role in Chapter 7 cases, and the homestead exemption may be the most important of all. It’s the homestead exemption that makes it possible for many people to wipe out unsecured debt in Chapter 7 bankruptcy without losing their homes. In this article, you’ll learn how the homestead exemption may protect your house in bankruptcy. We’ll also touch on some of the limitations of the homestead exemption. And, we’ll discuss alternatives for people who aren’t fully protected by their state’s exemptions.

Chapter 7 vs. Chapter 13 Bankruptcy: What’s the Difference?

Written by Attorney Andrea Wimmer. 
Updated July 27, 2023

Chapter 7 and Chapter 13 bankruptcy are the two most common types of personal bankruptcy filings. Chapter 7 bankruptcy can wipe out unsecured debts like credit card debt and medical bills in just 3-4 months. Though the filing can stay on your credit report for 10 years. You must pass a means test and meet certain criteria to qualify for Chapter 7. Chapter 13 takes longer — usually 3-5 years — because filers are on a repayment plan. After the plan is up, any remaining unsecured debt is discharged. Chapter 7 can stay on your credit report for up to 7 years. Some filers choose Chapter 13 because they don’t qualify for Chapter 7 or because they own certain assets they want to protect. Even though there are differences between Chapter 7 and Chapter 13 bankruptcy, each one grants the filer a fresh financial start in the form of a bankruptcy discharge — a court order that relieves you of your debt and bans creditors from trying to collect from you on this debt.

What You Need To Know About Divorce and Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated July 26, 2023

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.

Should I Take A Bailout Loan To Stop Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

A foreclosure bailout loan might look like the perfect solution at a glance, but it has downsides, too. Bailout loans, also known as hard money loans, tend to have high interest rates. They may also require the borrower to refinance again within a few years. If you’re considering a bailout loan to stop foreclosure, make sure that you understand your options and their potential impacts on you, your finances, and your family.

Can Bankruptcy Help Me Get My Car Back After Repossession?

Written by the Upsolve Team. 
Updated July 25, 2023

If your car was repossessed, filing bankruptcy may help you get it back, but you need to act fast. If the lender has already sold your vehicle at auction, you won't be able to get it back. Even if you can use bankruptcy to help you get your car back, you'll want to carefully weigh your options. If you can't afford to keep making your monthly car payment, it may not make sense to file bankruptcy just to get your car back because you can end up in the same situation again.

3 Things Everyone Should Know About Small Claims Court and Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

Debt collection lawsuits for small amounts are usually brought in a special court, called the small claims court. The procedures are simple and costs kept to a minimum. Even though this is a simplified process, a judgment from a small claims court carries the same weight as a judgment from any other court.

Is Filing for Bankruptcy Bad?

Written by the Upsolve Team. Legally reviewed by Lawyer John Coble
Updated July 14, 2023

Bankruptcy has gotten a negative reputation over the years. But there are many benefits to filing for bankruptcy that don't get as much attention as the drawbacks. Depending on your situation, filing bankruptcy can sometimes be the best course of action.

What Debt Collectors Can, and Can’t, Do To Collect a Debt

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 7, 2023

The debt collection process can be confusing. You probably have many questions about what a debt collector can and can’t do. Luckily, there are debt collection laws designed to protect you from deceptive practices and misleading representations. This article will outline what debt collectors can and can’t do and teach you how to protect your rights.

Are Credit Repair Companies a Bad Idea?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 7, 2023

If a credit card repair company is telling you that your debt can be wiped out and you can start over with a new identity, stop listening. These types of credit repair company scams steal Social Security numbers and account information. That doesn’t mean the credit repair industry doesn’t have any legitimate credit repair agencies. They’re just hard to find.

Debt Collection Basics: Can I Pay Off Debts in Collection?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 5, 2023

Learn how to tell if your debt is in collection, how you can use a payment plan to pay off your past-due debt and what steps you can take to stop stressful collection account activity.

Want To Pay Off Student Loan Debt? Ask These 9 Questions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 7, 2023

There are many ways to strategize to pay off student loan debt. You can develop a personalized strategy by exploring: - Your current financial situation - Your student loan (and how it compares to other debt you may have) - Your financial goals - Your risk tolerance and debt-repayment timeline - The type of student loans you have and their repayment options - Streamlining repayment through loan consolidation or refinancing

5 Important Bankruptcy Questions (and Answers!)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 6, 2023

If you’re thinking about filing bankruptcy, you have questions. We’ll answer the most common bankruptcy questions for you right here so you can decide whether you want to take the next step in the bankruptcy process or explore other debt-relief options that might interest you.

Consolidating Federal Student Loans: A Comprehensive Guide

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 5, 2023

If you’re like most students, you’ll take out multiple student loans throughout your college career. When repayment begins, you may find yourself juggling multiple loan payments, due dates, and interest rates each month. Consolidating your student loans can streamline the repayment process, and it may even save you money. The U.S. Department of Education currently offers one kind of consolidation loan called a Federal Direct Consolidation Loan. Here’s what you need to know to make informed decisions about consolidation.

Paying Off Debt vs. Investing: What’s Better?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

You may feel like you’re getting conflicting messages about debt and savings. On the one hand, you know it’s not good to carry too much debt. It’s expensive, can lower your credit score, and creates some risk. At the same time, you’re advised to have savings to help weather the unexpected. And, you’re warned about your retirement investments falling short and leaving you in a bad situation as you grow older. But, your budget will only stretch so far. There’s no one-size-fits-all answer. The right choice depends on your circumstances and your personal financial goals. This overview will help you make the right decision for your situation.

Cancellation Of Debt & Related Pitfalls

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

If you have debts that you are unable to pay, bankruptcy is not your only option. You might be able to negotiate with your creditors to have some of your debt canceled. Learn what debt cancellation is, how it works, and forms of debt cancellation have to be declared as taxable income and which. Also find out which method of debt cancellation might work best for your situation.

What You Need To Know About Wrongful Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

If you’ve defaulted on your mortgage, your lender has the right to start the foreclosure process. Foreclosures that happen outside the court are called nonjudicial foreclosures. But even with nonjudicial foreclosures, you still have legal rights and defenses against the foreclosure proceeding.

How To Buy a Car After Repossession

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

Repossession might feel like an insurmountable obstacle to getting another car. It’s important to realize that you can repair bad credit. Working to reach a healthy financial situation after a repossession means that even this unpleasant experience will move into the past.

Bad Credit: The Problem & Solutions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

It is possible to increase your credit score if you are proactive. This article will look at what’s considered a poor credit score, the consequences of having bad credit, and strategies to improve your credit.

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.

What Happens If The Bank Takes My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

If you have fallen behind on your car loan, you may be wondering what happens next. How will you get to work with no car? Is it possible to get it back after it's been repossessed? In this article, you will learn how repossession works, what you can do after it has occurred, and how to avoid it in the first place.

Florida Repossession Law

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 10, 2023

If you’re in Florida and your car has been repossessed, you still have the opportunity to redeem your car or reaffirm your loan. You can also file bankruptcy to help you keep your car, or to help you get rid of future collection activity on a deficiency balance.

Can You Arrange a Settlement With Student Loan Lenders?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 20, 2023

If your student loan is in default and you want to clear up your debt, you might be able to enter into a student loan settlement agreement. When you settle a debt, you negotiate with the lender to pay less than you owe in one lump sum. To negotiate a settlement agreement, your account must be in default. There are advantages and disadvantages to using this debt relief option. For example, you may end up paying less than the total amount you owe on your loan, but you must have a large lump sum available to complete your settlement. The settlement rules are different for federal student loans and private lender loans, so you’ll first need to determine what type(s) of student loan you have before weighing your options.

Is 600 a Good or Bad Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 27, 2023

A credit score of 600 is below average. If your credit score is 600 or less, it may be difficult to get a new loan at an affordable interest rate. Most lenders who see borrowers with a credit score of 600 or lower will only offer high-interest loans with strict terms. If the borrower fails to pay each month, then the lender can send the account to collections. Thankfully, you can do several things to improve your credit score. We’ll cover some strategies in this article.

What Is Equity?

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated October 13, 2022

Your equity in a house or car (the dollar value that belongs to you, not the lender) is the current value of the property minus the amount you still owe on it. When you file bankruptcy, exemptions protect the equity you have in certain assets.

Is the Money I Make From Self-Employment Considered Business Income, and How Will This Affect My Bankruptcy?

Written by the Upsolve Team. Legally reviewed by Lawyer John Coble
Updated October 12, 2022

If you're self-employed (as a sole proprietor, gig worker, or independent contractor) and you're struggling with business or personal debt, you can file personal bankruptcy like Chapter 7 or Chapter 13. If you have a separate business entity like an LLC or corporation, you also have the option to put your business into bankruptcy.

How To Calculate Your Income for Your Bankruptcy Forms if You’re Self-Employed

Written by the Upsolve Team. 
Updated September 30, 2022

If you're self-employed, you probably don't get regular paycheck stubs. This can make it trickier to figure out your income, which you'll need to do to file for bankruptcy. You'll also want to know your business expenses, so you can calculate your net income. This article explains how to calculate your income if you're a sole proprietor, gig worker, or independent contractor.

What Is a Co-Debtor and How Does My Bankruptcy Affect Them?

Written by the Upsolve Team. 
Updated June 30, 2022

A co-debtor is someone who took out a loan with you. In doing so, they agreed to be equally responsible for repaying the loan or debt. If you have debts with co-debtors and you don't reaffirm the debt in a Chapter 7 case, your co-debtor will be solely responsible for repaying the debt if you get a bankruptcy discharge. If you file Chapter 13 bankruptcy, the automatic stay will protect both you and the co-debtor so long as you make the payments outlined in your repayment plan.

What Is a Co-Debtor and How Does My Bankruptcy Affect Them?

Written by the Upsolve Team. 
Updated June 30, 2022

A co-debtor is someone who took out a loan with you. In doing so, they agreed to be equally responsible for repaying the loan or debt. If you have debts with co-debtors and you don't reaffirm the debt in a Chapter 7 case, your co-debtor will be solely responsible for repaying the debt if you get a bankruptcy discharge. If you file Chapter 13 bankruptcy, the automatic stay will protect both you and the co-debtor so long as you make the payments outlined in your repayment plan.

What Is the Presumption of Abuse in Bankruptcy?

Written by Curtis Lee, JD. 
Updated June 1, 2022

You need to meet certain eligibility requirements to file Chapter 7 bankruptcy. If your income is higher than the median income for a similar-sized household in your state, this flags the bankruptcy court of a "presumption of abuse." This doesn't mean you can't file Chapter 7 or that you've abused the system. It does mean you must do more calculations as part of the means test to prove that you don't make enough money to repay your debts and that you aren't taking advantage of the bankruptcy process.

What Is Non-Exempt Equity?

Written by Curtis Lee, JD. 
Updated May 25, 2022

In Chapter 7 bankruptcy, there are exemptions to protect some of the equity you have in your assets, like a home, car, or household items. If the exemption for a certain item doesn’t cover all the equity you have in it, you have non-exempt equity. Depending on how much non-exempt you have, the bankruptcy trustee may liquidate (sell) the item and give the proceeds to your creditors.

What To Expect at Your 341 Meeting of Creditors

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 4, 2022

In your 341 meeting of creditors, the trustee in your case will verify your identity and the information in your bankruptcy petition. Creditors can also show up to ask questions, but this is rare. In this article and video, we’ll walk you through a typical 341 meeting of creditors in a Chapter 7 bankruptcy.

How Does Bankruptcy Affect Alimony?

Written by the Upsolve Team. Legally reviewed by Lawyer John Coble
Updated May 4, 2022

Alimony impacts your bankruptcy case differently if you’re paying alimony than if you’re receiving alimony. If you pay alimony, you must list it on your Schedule J as an expense. You must also usually continue to make payments while your case is pending and after you receive your bankruptcy discharge. Bankruptcy doesn’t eliminate your obligation to pay court-ordered alimony. If you receive alimony, you must list the amount as income on Schedule I and on the means test calculation form.

What Happens After the 341 Meeting of Creditors?

Written by the Upsolve Team. Legally reviewed by Lawyer John Coble
Updated May 4, 2022

Completing your meeting of creditors is a milestone in the bankruptcy process. But you still need to finish your financial management course and submit your certificate of completion to the court (if you haven't already). You also have to wait for some court-required deadlines to pass and comply with any information requests from your trustee. Though it won't apply to every filer, if you have an installment payment plan for the court filing fee or you're entering into a reaffirmation agreement with a creditor, you'll need to follow up on those as well.

COVID-19 and Bankruptcy: Frequently Asked Questions

Written by the Upsolve Team. 
Updated April 21, 2022

The Bankruptcy Court has been closely monitoring and following recommended guidelines from the Centers for Disease Control and Prevention (CDC) and local public health officials and preparedness guidelines from the Administrative Office of the U.S. Courts (AO) regarding COVID-19 and is releasing updates almost daily. This article provides some guidance for frequently asked questions.

What Are the Wisconsin Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

You will find a list of available exemptions in the federal Bankruptcy Code, or you may instead decide to use exemptions available under Wisconsin law. However, keep in mind that each state has the option of “opting out” of this scheme. Bankruptcy filers in an opt-out state may only use their state exemptions and not use the federal exemptions. As Wisconsin hasn’t opted out of the choice between state exemptions and federal exemptions, Wisconsinites who file bankruptcy can choose between federal bankruptcy exemptions or state exemptions. Actually, you will be happy to know that Wisconsin is one of the few US states that allows filers this choice, and this is a real advantage if you are filing Chapter 7 in the state. However, keep in mind that you are not allowed to cherry-pick exemptions from both lists; you can select only one set of exemptions. If you’re using Wisconsin law to exempt your property, you can also use the federal nonbankruptcy exemptions, if applicable. This also means that if you’re filing for bankruptcy in the state, you should review both sets of exemptions and then choose what scheme can best protect your property. Hiring an attorney can be helpful in this respect.

Will a Foreclosure Ruin My Credit Forever?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 31, 2022

A foreclosure will stay on your credit report for seven years, but your creditworthiness will not be negative forever. You can take steps to repair your credit after foreclosure and start building a positive credit history. Read more to learn how you can overcome a foreclosure, rebuild your credit history, and what steps you can take to buy a house after foreclosure.

What Is Post-Petition Debt?

Written by the Upsolve Team. 
Updated March 29, 2022

Debt you acquire after you file your bankruptcy petition is called post-petition debt. Post-petition debt won't be discharged in your bankruptcy. But post-petition debt isn't the same as debt you forgot to include on your bankruptcy forms.

California Bankruptcy Exemptions Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 21, 2022

Some states permit filers to choose between a set of federal bankruptcy exemptions and the state exemption system. However, California isn’t one of them. California is called an “opt-out” state, which means federal bankruptcy exemptions are not available to filers in the state. Californians filing bankruptcy have to use California exemption law.

Can My Spouse Be Pursued for My Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 27, 2022

A judgment is a court order declaring that you do owe the debt and must repay it. How all of this can affect your spouse, if you are married, largely depends on whether you reside in a common law or community property state and the judgment-debtor laws of your state.

How Long Can I Stay in My Home After a Foreclosure Sale?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

In this article, we’ll give you an overview of foreclosure, discuss the before and after of a foreclosure sale, and give you valuable information about foreclosure timelines so you can get a better idea of how long you can stay in your home while planning your eventual move.

Eviction 101

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

Like most property laws, the relationship between landlords and tenants is regulated by state law. Because eviction laws vary from state to state, there is no uniform law of eviction. These state eviction laws lay out rules that landlords must follow in order to evict tenants. This article will explain some basic facts about eviction.

How a Short Sale Could Affect Your Credit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 13, 2021

Short sales allow homeowners to avoid foreclosure and escape a situation where they owe more than their homes are worth, but a short sale will still generally have a negative impact on your credit score. This article will explain what a short sale is, how it can affect your credit, and how to repair your credit after a short sale.

U.S. Bankruptcy by the Numbers: Who Is Filing the Most Bankruptcies?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 12, 2021

Individuals, businesses, and even cities file for bankruptcy. Both wealthy and financially strapped Americans may need to file for bankruptcy due to a variety of circumstances. Even rich, powerful people take advantage of this opportunity for debt relief.

What Is A Charge Off On A Car Loan?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 11, 2021

A charge-off on a car loan is when the creditor declares the debt uncollectible. The creditor can still collect the charged-off debt and you still owe it.

What Is the Process of a Nonjudicial Foreclosure?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 3, 2021

Most states allow nonjudicial foreclosures, which permit states to proceed with foreclosure sales without first obtaining a court order. Because nonjudicial foreclosures are much faster and less complex, homeowners don’t have as much time to defend against these actions.

Loans For Unemployed: Options & Processes

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

This article will discuss one of the ways that you can deal with the loss of a job—an emergency loan. Although you may think your employment status directly affects your ability to get a personal loan, especially in an emergency, that isn’t always true. In this article, we’ll talk about your options and the procedures for getting an emergency loan when you are unemployed.

Information on My Credit Report Was Removed. Now It’s Back!

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

Disputing and removing incorrect information on your credit report can be tedious and time-consuming. So having one of these items reappear on your credit report can be frustrating. This information may have negatively affected your credit and even cost you money. So now that you’ve had this “blast from the past” reappear, what do you do? This article will help you understand when items can be legitimately reinserted onto your credit history and credit profile. It will also help explain how to do credit repair and remove illegitimate items once again from your credit report.

Staying in Your Home During and After Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

As long as the title to a house that hasn't been condemned remains in the homeowner's name, they may continue to live in that house. After a foreclosure has been finalized, if the former owner doesn't redeem their house, they'll have a limited amount of time to live there before they must move or risk formal eviction.

How Does a Tax Lien Foreclosure Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 29, 2021

Depending on where the property is located, past-due property taxes may lead to a tax lien foreclosure or a tax deed sale. The tax lien foreclosure process includes some additional protection for property owners. But, the bottom line is the same. If your property taxes are delinquent, you could lose your property to a tax lien foreclosure or tax deed sale—even if your mortgage has been paid in full.

Relief for Homeowners Facing Foreclosure in the COVID-19 Era

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 26, 2021

In response to the COVID-19 pandemic, both federal and state foreclosure moratoriums have aided homeowners who are at risk of foreclosure. It is important to remain informed about COVID-era protections for homeowners as they evolve.

Should I Inform My Tax Preparer About My Bankruptcy Case?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

Yes, you should tell your tax preparer about your bankruptcy filing. Your bankruptcy trustee may need to give you special instructions that your tax prepare will need to follow if you're getting a refund check. You tax preparer will need to know about this before they file your return.

The Government Lawsuit Against Ocwen

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 15, 2021

Even after the multibillion-dollar settlement, Ocwen has continued to violate the law when servicing mortgage loans. As a result, some borrowers may still have reasons to make claims against Ocwen for unlawful practices related to their mortgage loans, including illegal foreclosures.

Your Rights After Your Lender Transfers Your Home Loan

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

If your lender sells or transfers your home loan, you have the right to be notified. This transfer won't change the terms of your mortgage but if you are unsure of who your new mortgage holder or servicer is, you could suffer negative consequences.

4 Tips To Get Out of a Car Lease

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

Leasing a car can seem like a great idea at first. But over time, leasing a vehicle may become more of a burden. Unfortunately, one of the biggest drawbacks of leasing a car is how difficult and expensive it can be to get out of your lease early, regardless of your financial status. Thankfully, there are a few ways that you may be able to unburden yourself from a lease you no longer want to be in. You may be able to transfer the lease, buy the leased car and sell it to someone else, trade in your car, and/or lower or suspend your payments. This article will explore each of these options in detail.

The 7 Steps of a Nonjudicial Foreclosure

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

You may be familiar with the term “foreclosure”, but you might not know what nonjudicial foreclosure really means. Don’t worry - this guide will help you understand your rights and options.

Mortgage Reinstatement: What Is It and How Does It Work?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 8, 2021

If you’re behind on your mortgage loan payments and are now getting back on your feet, a mortgage reinstatement can help you bring your mortgage current. If you reinstate your loan and start making regular payments again, you won’t have to fret over a potential foreclosure or losing your property. Keep reading and we’ll help you learn more about what a mortgage reinstatement is, how it works, and what you can do if you’re not able to reinstate your mortgage.

Can the IRS Take Your Home?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 6, 2021

The short answer is yes, legally the IRS can take your home. But it’s important to remember that as a taxpayer, you have options. This article explains how the IRS goes about taking someone’s home, and what you can do to stop it from happening to you.

How Will Foreclosure Affect My Credit?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 6, 2021

In this article, we’ll help you understand what you can do to avoid foreclosure, how a foreclosure will affect your credit if this process is unavoidable, and how you can save your credit score from dipping lower than necessary. We’ll even give you some tips on how to fix your credit after foreclosure.

Debt Consolidation vs. Bankruptcy – Which Is Better?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 30, 2021

Almost anyone who is experiencing difficulty paying their bills and considering filing for bankruptcy will come across advertisements or solicitations for something known as debt consolidation. This article will discuss the difference between debt consolidation and bankruptcy and give you some help in deciding which is better for you.

5 Smart Strategies To Boost Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2021

Your credit rating is an important component of your financial profile. Not only can a credit score determine whether you are approved for a loan or credit, but it can also determine important terms of the loan or new credit. The higher the credit score, the better the terms. A good credit score can save you money by helping you qualify for credit with a higher limit and a lower interest rate. This article will provide some helpful information for building and maintaining your credit score and overall credit profile. We’ll discuss five smart and simple strategies for boosting your credit score.

How Can I Raise My Credit Score by 200 Points?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 8, 2021

If you aren’t happy with your current credit score, the good news is that you can increase it. But it won’t happen overnight. Whether you’re looking for a short-term boost or have a long-term goal to raise your score by 200 points, you can do it with some patience and persistence. It also helps to know how your credit score is calculated, so you know the best actions to take to reach your goals. Keep reading to learn how you can give your credit score a big boost by changing how you deal with your credit.

Credit Score DIY: How To Fix Your Credit on Your Own

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 8, 2021

Credit scores impact our lives whether we like it or not. Fortunately, anyone can take steps to improve their credit score. If you’re ready to improve your credit score or you just want to find out more, keep reading to learn what you can do to fix your credit score on your own.

What Can I Do if My Car Is Repossessed With My Personal Belongings In It?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 5, 2021

Your personal belongings are your personal belongings. If a repo company took your car, you have the right to get these belongings back without having to pay a fee.

How Long Does It Take To Improve Your Credit Score?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 5, 2021

Many people want to improve their credit score, especially if they have bad credit. You can improve your credit score in a relatively short time, sometimes less than a year or even just a few months. This article will explain what factors determine your credit score and how you can improve yours.

What Is The IRS Statute Of Limitations?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Most people in the United States have to deal with tax issues at least once in their lives. If those tax issues lead to tax debt, generally, the IRS has 10 years to collect it. The 10 year period starts with the filing of the return or assessment by the IRS. However, there are a few situations that can pause this 10-year period, which gives the IRS more time to collect.

4 Important Facts About Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Wage garnishment can happen to anyone. An unexpected car repair or medical bill can cause you to fall behind in paying your debts. This article explores how wage garnishment works, what the federal limits and exemptions are, and how bankruptcy can help. If your wages are being garnished, the Consumer Credit Protection Act is a federal law that limits the amount of money that can be taken from your paycheck by your employer.

Getting a Repossessed Car Back

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

This article will explain the process of how to get your car back after it has been repossessed. Every state has laws that affect the repossession process. These laws determine how quickly a lender can repossess a car once you miss payments.

8 Tips for Effective Money Management

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Managing your finances effectively can save you a lot of money and inconvenience over time. And it’s not as hard as you might think to get your finances in order. It just takes a little planning and foresight along with some self-discipline. Regardless of what your money personality is, here are several tips that can help you manage your money more efficiently and profitably.

Statute of Limitations in Small Claims Court

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

The statute of limitations is the law that regulates how long a party has to assert a claim through the legal system and small claims courts provide simplified proceedings for people who have claims that aren’t worth a substantial amount. Generally, the statute of limitations remains unchanged if you bring a claim in small claims court. This article will explain a bit about defending yourself in your state’s small claims court and how the statute of limitations could affect your defense.

What Happens When Someone Sues You?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2021

Being served with legal papers can be stressful. But like all challenges, there are ways to deal with this. Understanding the rules of the court, basic legal definitions, and each step of a civil case is a great place to start. In this article, we’ll help you understand the difference between small claims courts, large claims courts, and civil courts. We’ll also discuss some tips for answering a lawsuit filed in any court.

When I Die, Will Someone Have To Pay My Credit Card Debts?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 20, 2021

In most situations, no one else is responsible for your credit card debt after you die. There are two exceptions. A joint account holder will usually be responsible for credit card debt, even if the charges were yours. And your surviving spouse may be responsible if you live in a community property state. Otherwise, only your estate is responsible for the debt. Unfortunately, the way this plays out may be a little more complicated. Read on to learn more.

How Long Does a Credit Dispute Take?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 13, 2021

If you find an error on your credit report you can have it removed by disputing it. You must file a dispute with the credit bureau that reported the inaccurate information. The credit bureau has 30-45 days to investigate the dispute and give a response. But the total timeline of the dispute may be longer. In this article, we’ll talk more about what factors affect this timeline.

Rapid Rescoring: Updating Your Credit Report Quickly

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 13, 2021

Normally, lenders and credit bureaus update account information every 30 to 45 days. Rapid rescoring speeds up this process. Rapid rescoring is a process where a lender submits proof of recent positive changes to your credit accounts to the three major credit bureaus. They then factor this new information into your credit score with a rapid rescore. Lenders will usually receive the updated information within 3-7 days. This article will discuss what rapid rescoring is, how it can help you, and what its limitations are.

How Long Does a Repo Stay on Your Credit Report?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

A car repossession can stay on your credit report for seven years and the repossession will initially lower your credit score. In this article, we’ll help you learn what you can do to minimize the impact that a car repossession will have on your credit report and how to improve your credit score if your car has already been repossessed.

Partial Unemployment Benefits: Eligibility Requirements & How To Apply

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

If you were working full time before and now only work part time, you may be wondering if you qualify for unemployment benefits. You can still collect partial unemployment benefits if you are working a part time job. Eligibility will depend on your state’s laws, the number of hours you work each week, and how much you’re making. In this article, we will look at how unemployment benefits work for part-time workers and how you can get the largest unemployment benefit payment possible.

What Does It Mean To Be Laid Off?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 30, 2021

Being laid off from work can happen to anyone regardless of their skill or job performance. Learn how you can navigate the uncertain time between when you are let go and the time you are hired for your next job by applying for unemployment and other benefits you qualify for. Also, find out how to use the time at your disposal to ready yourself for new employment.

Wage Garnishment Exemptions

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 23, 2021

A wage garnishment allows your creditor to take money directly from your paycheck or sometimes your bank account. It is important to know what income is exempt from being garnished for your claim of exemption. This article will discuss what happens in wage garnishment and how you can keep income from being garnished that is protected by exemptions.

What You Need to Know About Credit Privacy Numbers

Written by the Upsolve Team. 
Updated August 16, 2021

This article will discuss credit privacy numbers, or CPNs, one of the latest popular tools used by scammers to rip off American consumers. The Federal Trade Commission has identified the sale of alternative credit identities as a scam. In this article, we’ll discuss what you need to know about credit privacy numbers and the reasons you should avoid using them.

I Live in Washington State and Debt Collectors Are Calling

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 16, 2021

Washington state has two laws that protect you, the Consumer Protection Act (CPA) and the Collection Agency Act (CAA). The FDCPA is the minimum standard for states, but Washington’s laws increase the standards. It’s like having a low federal minimum wage and a higher state minimum wage. In this article, we’ll help you learn how Washington’s debt collection protection laws can help you stop debt collectors from calling.

I paid off my wage garnishment, now what?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 12, 2021

Paying off a wage garnishment is a great accomplishment. Once all the debts are paid, though, the money that has been automatically taken from your paycheck doesn't always stop being taken from your paycheck. This article will give you advice on how to make sure your money is no longer being withheld and sent to your creditors as well as information about how you can rebuild your credit after a wage garnishment and how to avoid having your funds garnished in the future.

Wage Garnishment In California

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 12, 2021

California’s wage garnishment laws are much like those in other states. But, California has special rules for certain kinds of debt. For example, all child support payments in California automatically come with a wage garnishment order. It is important to know California’s wage garnishment rules and your options for dealing with having your wages garnished if you’re a California resident. This article will address both the rules and your options.

6 Strategies That Can Help You Become Debt-Free

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 4, 2021

Living debt-free will improve your credit score and expand your opportunities for housing and jobs. It doesn’t take long to accumulate debt, but it can take time to pay it down. Keep reading to learn the steps and strategies you can use to get started on your way to a debt-free life.

How can I pay the taxes for the “income” shown on my 1099-C?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 3, 2021

When a creditor forgives debt, you're still not completely off the hook since you'll have to consider the forgiveness income for tax purposes. If you have had $600 or more of debt canceled or forgiven by a creditor during a single year, you can expect to receive a Form 1099-C and to pay taxes on this canceled debt. If you’ve received your 1099-C or you’re evaluating a debt settlement option and want to learn more about debt forgiveness and the 1099-C tax form, keep reading. We’ll help you through this process.

What is zombie debt and should I be concerned?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Zombie debt is debt that you’re no longer legally obligated to pay. If the date of the last activity on the account happened so long ago that the statute of limitations has passed and the creditor is no longer allowed to file a lawsuit to make you pay the debt, it would be considered a zombie debt. But a misstep on your part, even an innocent one, can revive a zombie debt and put you back on the hook for paying it again. Read more to learn how this process works and how to protect yourself from debt collectors that could try to trick you into reviving zombie debts.

Property Inspections

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Your home may require a property inspection for all kinds of reasons. If you need to have one done, read this article to find out about the different types of property inspections and what you can expect to learn from one.

Principal-Only Payments: Are They a Good Idea?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

The fastest way to pay off any type of debt or loan is by paying off all of the principal as soon as possible. This makes principal-only payments an attractive option for those who have a lot of debt, especially high-interest debt from credit cards. While this type of monthly payment is not available from all lenders, a principal-only payment can save you big money on interest payments over time. Read more to learn more about principal-only payments and the pros and cons of making them.

How long do I have before my student loan goes into default?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

When you miss your student loan payments, you risk defaulting on your loan. Different lenders have different timeframes for when they consider a loan to be “in default,” so it’s important to know the terms of your loan and understand the timeframe for default. This article will explain how long it takes for federal and private student loans to go into default if you miss a monthly payment.

Can an employer contest unemployment benefits?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

Employers can appeal an unemployment office’s decision to approve an applicant for unemployment insurance benefits. But, they need to have grounds to do so. In this article, we’ll explain how long an employer has to contest an unemployment claim and the application procedure that’s used in most states to determine benefit eligibility. We’ll also explore how you can appeal a decision if your application for benefits is denied.

Why You Should Always Pay More on Your Credit Card than the Minimum Payment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 30, 2021

A credit card minimum payment is simply the minimum amount of money you must pay each month to remain current on your debt. Making the minimum payment doesn’t do much to help you get out of debt and can actually lead to some pitfalls that will keep you in debt longer. Read this article to learn what those pitfalls are and how to avoid them.

Is there a “best” time to make my credit card payments?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2021

Many people believe that making your minimum payment on time is all there is to managing your credit card debt. The best strategies for managing credit card debt look at factors beyond just making on time payments. This article will give you tips on how to manage your credit card payment to avoid paying interest charges and detail some other important information you should know about your credit card bill.

You Can Win That Debt Collection Lawsuit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2021

Most debt collection suits in the U.S. end in default judgments. That’s a judgment entered against the alleged debtor because they either didn’t file an answer to the complaint or didn’t show up in court. This is bad news, partly because many of those cases could have been won. If you’re sued by a creditor, debt collector, or debt buyer, the worst thing you can usually do is ignore the lawsuit. This article will provide guidance on how to deal with a debt collection lawsuit.

Furlough: How It Works And Why It Matters

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 19, 2021

A furlough is a leave of absence with reduced hours and reduced pay. It could last a few hours or several months. Technically, you’re employed without pay during a furlough, but you could qualify for unemployment benefits. Furloughs include benefits, but usually don’t include paychecks. When you’re furloughed, you might get a return to work date.

Gifted Money To Pay Student Loan Debt | Will I Have To Pay Gift Tax?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 7, 2021

When you’re just starting out, a significant gift from a family member or other loved one can make all the difference. For instance, a gift that pays off all or part of your student loans or, the gift of down payment funds may help you buy a home and begin building equity. If someone has offered a generous gift but you’re worried about gift tax, income tax, and other tax issues, here’s a quick rundown of what you need to know.

Understanding Credit Card Wage Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 28, 2021

After efforts to collect a credit card debt fail, a credit card issuer or its collection agency will eventually file a lawsuit. If you don’t respond, it can get a default judgment. Any judgment (including a default judgment) allows a creditor to get a garnishment order and garnish wages.

How Repossession Affects Your Credit

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 19, 2021

Repossession can cost you more than your car. Late or missed car payments can hurt your credit. If your car is repossessed, the hit to your credit will be even more significant. This is true even if you turn in your car voluntarily.

Bankruptcy Statistics

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2021

The bankruptcy statistics in this article will provide a high-level view of consumer bankruptcy filings around the country, bankruptcy rates from state to state, the types of bankruptcy cases most often filed, and the financial problems that trigger bankruptcy filings.

Chapter 7 Document Checklist

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2020

Filing bankruptcy is a very document intensive process. In this article, we’ll look at what documents you’ll need to gather to ensure your case proceeds smoothly and without unnecessary complications.

Provide free evaluations to people who need help

Written by the Upsolve Team. 
Updated October 2, 2020

If you’re an experienced bankruptcy attorney who provides affordable assistance and has a pristine record with your State Bar Association, we invite you to reach out to us.

How do I prepare for my hearing?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Your bankruptcy process will include at least one (the 341 meeting), and likely two (fee waiver) hearings. Here are some of the most common hearing types you might encounter along the way to your fresh start.

How do I prepare for my hearing?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Your bankruptcy process will include at least one (the 341 meeting), and likely two (fee waiver) hearings. Here are some of the most common hearing types you might encounter along the way to your fresh start.

What are the Virginia Bankruptcy Exemptions?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 23, 2020

Exempt property, such as a car or trade implements, is free of the claims of your creditors and can’t be taken by your trustee to be liquidated. Laws in Virginia determine the types as well as the amount of exempt property.

How Settling a Credit Card Debt Affects Your Credit Score

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 15, 2020

Settling a credit card account will resolve your debt, but before you commit to this course of action, please read on to learn more about the negative impacts a debt settlement will have on your credit score, alternative debt-relief options, and how you can turn debt relief into a positive opportunity to rebuild your credit over time.

Intellectual Property and Bankruptcy

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 28, 2020

Intellectual property receives special treatment in bankruptcy. It's important to evaluate applicable law, review licenses, contracts, ownership status, and navigate IP laws, bankruptcy laws, contract laws, and state laws before filing a bankruptcy.

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.

What is Upsolve's Contact Information?

Written by the Upsolve Team. 
Updated August 16, 2020

As a small nonprofit we sadly don't have the resources to be able to provide phone or other live support. If you are a current user and need to get in touch with us, please please visit help.upsolve.org and use the "Submit a Request" feature in the top right corner to send us a message and someone will get back to you as soon as possible. If you have general questions about filing bankruptcy, feel free to visit our Learning Center any time to find out more about the process and what to expect.

Can A Judgment Creditor Take My Car?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2020

Once a creditor files a lawsuit and is awarded a judgment by the court, it has several options to satisfy its debt. It can garnish wages or levy a bank account. It can also obtain a judgment lien and place it on real property such as a house or even personal property such as an automobile. This article will explain your options and how you can use them when a so-called judgment creditor files a lien on a motor vehicle.

The Small Business Reorganization Act: How Subchapter V Election Changes A Small Business Debtor’s Bankruptcy Filing

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 29, 2020

The SBRA creates a subchapter to Chapter 11 that is designed to allow small business debtors an alternative to large and expensive Chapter 11 cases. Electing Subchapter 5 removes many of the financial barriers and administrative burdens faced by small business debtors in a typical Chapter 11 case. While Subchapter 5 streamlines the Chapter 11 bankruptcy process, you will still need an attorney to successfully complete this bankruptcy successfully, as it is a complicated process.

How to Protect Property from Garnishment

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2020

A garnishment is an order by a court to withhold and surrender a portion of a person’s pay to another entity that has been awarded a judgment against the debtor. Exemptions exclude certain property or funds from being taken by way of garnishment or levy.

Is Upsolve the same as DebtorCC?

Written by the Upsolve Team. 
Updated July 22, 2020

No, Upsolve is not the same as DebtorCC. Upsolve is a legal aid nonprofit that helps low-income Americans get Chapter 7 bankruptcy relief without an attorney. DebtorCC is a government approved credit counseling company that offers the required pre- and post-filing bankruptcy courses to folks in all 50 states.

Corporate Bankruptcy Explained

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 22, 2020

When a corporation gets into financial trouble, the company may be able to file for bankruptcy protection. In some ways, corporate bankruptcy is like consumer bankruptcy. But, there are also important differences. In this article, you’ll learn how the two types of business bankruptcy differ, how each works, and how corporate bankruptcy is different from personal bankruptcy.

What to do if you have to get something notarized for your bankruptcy case

Written by the Upsolve Team. 
Updated July 22, 2020

While it’s not common in bankruptcy cases, there are occasions when a filer may be required to submit a document with a notarized signature. When a signature is notarized, the notary public has confirmed the identity of the person signing the document and made sure that the person is signing the document voluntarily. 

How to Settle Your Debts in the District of Columbia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 27, 2024

How To Settle Your Debts in Hawaii

Written by the Upsolve Team. 
Updated August 27, 2024

Eviction Laws and Tenant Rights in Arizona

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 22, 2024

Wage Garnishment in Wyoming

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Eviction Laws and Tenant Rights in Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Wage Garnishment in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

How To File Bankruptcy for Free in Rhode Island

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 21, 2024

Eviction Laws and Tenant Rights in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 20, 2024

How To File Bankruptcy for Free in Arizona (Without a Lawyer)

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 1, 2024

How To File Bankruptcy for Free in Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 4, 2024

How to Consolidate Your Debts in New Jersey

Written by the Upsolve Team. 
Updated March 25, 2024

How To Consolidate Your Debts in North Dakota

Written by the Upsolve Team. 
Updated March 25, 2024

How to Get Free Credit Counseling in Wyoming

Written by the Upsolve Team. 
Updated March 25, 2024

How To Get Free Credit Counseling in Wisconsin

Written by the Upsolve Team. 
Updated March 25, 2024

How To Consolidate Your Debts in Nevada

Written by the Upsolve Team. 
Updated March 25, 2024

How to Consolidate Your Debts in New Mexico

Written by the Upsolve Team. 
Updated March 25, 2024

Repossession Laws in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Nebraska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Mississippi

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

Repossession Laws in Rhode Island

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 22, 2024

How to Settle Your Debts in Florida

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Get Free Credit Counseling in Washington

Written by the Upsolve Team. 
Updated December 20, 2023

How to Settle Your Debts in Delaware

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Consolidate Your Debts in New York

Written by the Upsolve Team. 
Updated December 20, 2023

How to Consolidate Your Debts in Hawaii

Written by the Upsolve Team. 
Updated December 20, 2023

How to Settle Your Debts in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Consolidate Your Debts in Illinois

Written by the Upsolve Team. 
Updated December 20, 2023

How to Get Free Credit Counseling In Kentucky

Written by the Upsolve Team. 
Updated December 20, 2023

How to Settle Your Debts in Alaska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Settle Your Debts in Colorado

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Consolidate Your Debts in Minnesota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

How to Get Free Credit Counseling In Louisiana?

Written by the Upsolve Team. 
Updated December 20, 2023

How To Get Free Credit Counseling in New York

Written by the Upsolve Team. 
Updated October 6, 2023

How To File Bankruptcy for Free in Montana

Written by the Upsolve Team. 
Updated September 29, 2023

How To File Bankruptcy for Free in Idaho

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 29, 2023

How To File Bankruptcy for Free in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

How to Consolidate Your Debts in Georgia

Written by the Upsolve Team. 
Updated August 15, 2023

How to Consolidate Your Debts in Indiana

Written by the Upsolve Team. 
Updated August 15, 2023

How to Consolidate Your Debts in Iowa

Written by the Upsolve Team. 
Updated August 15, 2023

How to Become Debt Free With a Debt Management Plan in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 15, 2023

Filing Bankruptcy in Little Rock, Arkansas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

Filing Bankruptcy in Little Rock, Arkansas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

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

Written by the Upsolve Team. 
Updated August 11, 2023

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

Filing Bankruptcy in Box Elder, South Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

Filing Bankruptcy in Box Elder, South Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

How To Become Debt Free With a Debt Management Plan in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

How To Consolidate Your Debts in Idaho

Written by the Upsolve Team. 
Updated August 10, 2023

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

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

Wage Garnishment in South Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 26, 2023

Wage Garnishment in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

How To Become Debt Free With a Debt Management Plan in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 14, 2023

Wage Garnishment in California

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

How to Become Debt Free with A Debt Management Plan in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

Wage Garnishment in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

How To File Bankruptcy for Free in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 10, 2023

How To File Bankruptcy for Free in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 10, 2023

Wage Garnishment in South Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 27, 2023

The Upsolve Policy Platform

Written by the Upsolve Team. 
Updated February 8, 2023

How To File Bankruptcy for Free in Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated March 22, 2022

How To File Bankruptcy for Free in North Dakota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 15, 2022

What Is the Bankruptcy Means Test in Rhode Island?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 29, 2022

What Is the Bankruptcy Means Test in Rhode Island?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 29, 2022

Eviction Laws and Tenant Rights in Maryland

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Eviction Laws and Tenant Rights in Connecticut

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Eviction Laws and Tenant Rights in New Hampshire

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Eviction Laws and Tenant Rights in Vermont

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 11, 2022

Eviction Laws and Tenant Rights in Oregon

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 5, 2022

Wage Garnishment in Pennsylvania

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

How To Consolidate Your Debts in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

How To Consolidate Your Debts in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

Wage Garnishment in Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

Wage Garnishment in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

How To Settle Your Debts in Kansas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

What Is the Bankruptcy Means Test in Alaska?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 28, 2021

What Is the Bankruptcy Means Test in Alaska?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 28, 2021

Eviction Laws and Tenant Rights in South Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 27, 2021

Eviction Laws and Tenant Rights in Texas

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Eviction Laws and Tenant Rights in Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Eviction Laws and Tenant Rights in Montana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Eviction Laws and Tenant Rights in Georgia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Wage Garnishment in Ohio

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 14, 2021

How To Consolidate Your Debts in Oklahoma

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 14, 2021

Wage Garnishment in Alaska

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 3, 2021

Eviction Laws and Tenant Rights in Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 19, 2021

Eviction Laws and Tenant Rights in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 19, 2021

Eviction Laws and Tenant Rights in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

Wage Garnishment in the District of Columbia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

Wage Garnishment in North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

How to Get Free Credit Counseling in Missouri

Written by the Upsolve Team. 
Updated November 6, 2021

Wage Garnishment in West Virginia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 25, 2021

Hebrew Free Loan Society: Nonprofit Lending at 0% Interest

Written by the Upsolve Team. 
Updated October 22, 2021

Wage Garnishment in Georgia

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

Wage Garnishment in Oregon

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

Wage Garnishment in Minnesota

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

How to Settle Your Debts in Indiana

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

How to Settle Your Debts in Illinois

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

How to Settle Your Debts in California

Written by the Upsolve Team. 
Updated March 26, 2021

How to Settle Your Debts in Iowa

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

How to Settle Your Debts in Idaho

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

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

Written by the Upsolve Team. 
Updated March 26, 2021

How to Become Debt Free with A Debt Management Plan in Tennessee

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

How to Settle Your Debts in Arizona

Written by the Upsolve Team. 
Updated March 26, 2021

Filing Bankruptcy in Lewiston, Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 25, 2021

Filing Bankruptcy in Lewiston, Maine

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 25, 2021

How to Consolidate Your Debts in Maine

Written by the Upsolve Team. 
Updated March 25, 2021

Filing Bankruptcy in Bennington, Vermont

Written by the Upsolve Team. 
Updated March 25, 2021

Filing Bankruptcy in Nashua, New Hampshire

Written by the Upsolve Team. 
Updated March 25, 2021

Filing Bankruptcy in St. Johnsbury, Vermont

Written by the Upsolve Team. 
Updated March 25, 2021

Filing Bankruptcy in Farmington, New Mexico

Written by the Upsolve Team. 
Updated March 25, 2021

Filing Bankruptcy in Raleigh, North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 27, 2021

Filing Bankruptcy in Raleigh, North Carolina

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 27, 2021

Filing Bankruptcy in Wasilla, Alaska

Written by the Upsolve Team. 
Updated January 14, 2021

Filing Bankruptcy in Birmingham, Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 13, 2021

Filing Bankruptcy in Birmingham, Alabama

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 13, 2021

What Is the Bankruptcy Means Test in Minnesota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 7, 2020

What Is the Bankruptcy Means Test in Minnesota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated December 7, 2020

Filing Bankruptcy in Boston, Massachusetts

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2020

Filing Bankruptcy in Boston, Massachusetts

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 24, 2020

Filing Bankruptcy in Baltimore, Maryland

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 15, 2020

Filing Bankruptcy in Baltimore, Maryland

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 15, 2020

Filing Bankruptcy in Des Moines, Iowa

Written by the Upsolve Team. 
Updated October 15, 2020

Filing Bankruptcy in Rochester, New York

Written by the Upsolve Team. 
Updated October 15, 2020

What Is the Bankruptcy Means Test in North Dakota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in North Dakota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Nebraska?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Nebraska?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Kansas?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Kansas?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in South Dakota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in South Dakota?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in New Hampshire?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in New Hampshire?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Vermont?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Vermont?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Arkansas Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Arkansas Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Nevada?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Nevada?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in New Mexico?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in New Mexico?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Washington, DC?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

What Is the Bankruptcy Means Test in Washington, DC?

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Massachusetts Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Massachusetts Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

New York Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

New York Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Hawaii Bankruptcy Forms for Chapter 7

Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020