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the Upsolve Team

the Upsolve Team

Upsolve is fortunate to have a remarkable team of bankruptcy attorneys, as well as finance and consumer rights professionals, as contributing writers to help us keep our content up to date, informative, and helpful to everyone.


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Articles written by the Upsolve Team

How To Win Against Capio Partners

Written by the Upsolve Team
Updated March 9, 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.

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How To Deal With DCM Services

Written by the Upsolve Team
Updated March 7, 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.

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How To Win Against Resurgent Capital Services

Written by the Upsolve Team
Updated March 7, 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.

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How To Win Against Harris & Harris

Written by the Upsolve Team
Updated March 4, 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.

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How To Win Against United Collection Bureau

Written by the Upsolve Team
Updated March 4, 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.

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How To Win Against Pressler, Felt & Warshaw LLP

Written by the Upsolve Team
Updated March 4, 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.

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How To Deal With Capio Partners

Written by the Upsolve Team
Updated March 4, 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.

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How To Deal With Halsted Financial Services

Written by the Upsolve Team
Updated March 4, 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).

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How To Deal With FBCS

Written by the Upsolve Team
Updated March 4, 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.

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How To Win Against Cavalry SPV I LLC

Written by the Upsolve Team
Updated March 1, 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.

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How To Win Against CBE Group

Written by the Upsolve Team
Updated March 1, 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.

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How To Win Against Northstar Location Services

Written by the Upsolve Team
Updated February 29, 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.

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How To Win Against Wakefield AND Associates

Written by the Upsolve Team
Updated February 28, 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.

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How To Win Against 11 Charter Communications

Written by the Upsolve Team
Updated February 28, 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.

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How To Deal With Northstar Location Services

Written by the Upsolve Team
Updated February 28, 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.

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How To Deal With Revco Solutions

Written by the Upsolve Team
Updated February 23, 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.

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How To Win Against Central Portfolio Control

Written by the Upsolve Team
Updated February 22, 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.

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How To Win Against FBCS

Written by the Upsolve Team
Updated February 22, 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.

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How To Win Against Radius Global Solutions

Written by the Upsolve Team
Updated February 22, 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.

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How To Deal With Aldous & Associates

Written by the Upsolve Team
Updated February 16, 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.

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How To Deal With United Collection Bureau Inc.

Written by the Upsolve Team
Updated February 16, 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.

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How To Deal With RMP Services

Written by the Upsolve Team
Updated February 16, 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.

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

Written by the Upsolve TeamLegally 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.

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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.

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The Florida Consumer Collection Practices Act

Written by the Upsolve TeamLegally 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.

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How To Deal With Pressler, Felt & Warshaw LLP

Written by the Upsolve Team
Updated February 9, 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.

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How To Deal With MBA Law

Written by the Upsolve Team
Updated February 9, 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.

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How To Deal With Midland Funding LLC

Written by the Upsolve Team
Updated February 8, 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.

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How To Deal With Wakefield & Associates

Written by the Upsolve Team
Updated February 8, 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).

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How To Deal With Cavalry SPV I LLC

Written by the Upsolve Team
Updated February 8, 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.

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How To Deal With Harris & Harris

Written by the Upsolve Team
Updated February 8, 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.

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How To Deal With Radius Global Solutions

Written by the Upsolve Team
Updated February 8, 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.

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How To Deal With CCS Offices

Written by the Upsolve Team
Updated February 8, 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.

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

Written by Attorney William A. McCarthyLegally 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.

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What Is Debt Consolidation?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated January 24, 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.

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What Is Debt Consolidation?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated January 24, 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.

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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.

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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.

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REPAYE Plan 101

Written by the Upsolve TeamLegally 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.

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Debt Settlement Attorneys: How Can They Help?

Written by the Upsolve TeamLegally 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.

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When Will a Debt Collector Sue for Unpaid Debt?

Written by the Upsolve TeamLegally 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.

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California Debt Collection Laws

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Should You Surrender an Unwanted Car in Bankruptcy?

Written by the Upsolve TeamLegally 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.

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The Complete Guide To Medical Bills and Wage Garnishment

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 25, 2023

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.

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How To Dispute a Debt You Don’t Owe

Written by the Upsolve TeamLegally 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.

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Removing a Judgment from Your Credit Report

Written by the Upsolve TeamLegally 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.

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How Much Does Credit Repair Cost?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

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.

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California Repossession Law

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Consequences of Not Paying Student Loans: Explained

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 12, 2023

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.

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Is an Income-Contingent Repayment Plan Right for You?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 12, 2023

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.

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

Written by the Upsolve TeamLegally 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.

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4 Income-Based Repayment Options for Federal Student Loans

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 8, 2023

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.

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Can You Get Student Loan Forgiveness if You Drop Out?

Written by the Upsolve TeamLegally 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.

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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)

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

Written by the Upsolve TeamLegally 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.

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Why Do I Keep Getting Calls About Student Loans?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Guide to Extended Repayment Plans & Managing Student Loans

Written by the Upsolve TeamLegally 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.

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Student Loan Forgiveness Programs for Nurses

Written by the Upsolve TeamLegally 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!

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What Is a Time-Barred Debt?

Written by the Upsolve TeamLegally 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.

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Can You Remove Collection Accounts From Your Credit Report?

Written by the Upsolve TeamLegally 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.

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Student Loan Forgiveness for Healthcare Workers: The Ultimate Guide

Written by the Upsolve TeamLegally 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.

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What Is the Standard Repayment Plan for Student Loans?

Written by the Upsolve TeamLegally 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.

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5 Solid Steps for Negotiating With Debt Collectors

Written by the Upsolve TeamLegally 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

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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The Complete Guide To Disputing Student Loans on Your Credit Report

Written by the Upsolve TeamLegally 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.

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What Is the Statute of Limitations for Debt?

Written by the Upsolve TeamLegally 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.).

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Private Student Loans and Wage Garnishment

Written by the Upsolve TeamLegally 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.

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Student Loan Garnishments And Hardship

Written by the Upsolve TeamLegally 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.

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Who Can Garnish My Wages?

Written by the Upsolve TeamLegally 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.

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What Are Disposable Earnings?

Written by the Upsolve TeamLegally 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.

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Rebuilding Credit After Bankruptcy (A Guide)

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

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.

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Rebuilding Credit After Bankruptcy (A Guide)

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

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.

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

Written by the Upsolve TeamLegally 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.

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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.

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What Is My Bankruptcy Discharge Date?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

There are a number of strategies to put in place when you find yourself in credit card debt. Common advice includes tightening your budget, prioritizing your highest-interest accounts and negotiating with creditors. But those strategies only work if you actually have some money to put toward paying down your credit card debt. What are you supposed to do if you truly have little to no money to put toward your debt?

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Discharge vs. Dismissal: What's the Difference?

Written by the Upsolve TeamLegally 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.

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What Does a Bankruptcy Discharge Do?

Written by the Upsolve TeamLegally 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.

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What Does a Bankruptcy Discharge Do?

Written by the Upsolve TeamLegally 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.

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How To Dispute or Reduce Expensive Medical Bills

Written by the Upsolve TeamLegally 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)

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 9, 2023

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.

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How To Stop Collection Calls: A Comprehensive Guide

Written by the Upsolve TeamLegally 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.

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Does Bankruptcy Clear Judgments?

Written by the Upsolve TeamLegally 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.

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Can I File Bankruptcy Even Though I’m Unemployed?

Written by the Upsolve TeamLegally 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.

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What are Priority Unsecured Debts?

Written by the Upsolve TeamLegally 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.

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How A Personal Bankruptcy Lawyer Can Help You Erase Debt

Written by the Upsolve TeamLegally 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.

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Bankruptcy for Senior Citizens

Written by the Upsolve TeamLegally 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.

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What Does Bankruptcy Mean?

Written by the Upsolve TeamLegally 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.

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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.

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Can a Repo Man Enter a Locked Gate?

Written by the Upsolve TeamLegally 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.

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Repossession: The Basics

Written by the Upsolve TeamLegally 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.

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How To Pay Off Collections: A Complete Guide

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 1, 2023

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.

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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.

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How Can Bankruptcy Help You With Foreclosure?

Written by the Upsolve TeamLegally 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.

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How Does Debt Settlement Affect Your Credit Score?

Written by the Upsolve TeamLegally 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.

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Your Credit Score Is Not Ruined Forever After a Bankruptcy Filing

Written by the Upsolve TeamLegally 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.

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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.

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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.

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The Complete Guide To Refinancing Student Loans

Written by the Upsolve TeamLegally 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.

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Student Loan Rehabilitation: How To Get Out of Default

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 28, 2023

If you have debts that you’re unable to pay, there are several options that can help you to get back on your feet. These options range from filing bankruptcy to creating some sort of payment plan that prevents debts from charging off or having creditors sue you and garnish your wages. Here we will look at some avenues to help you manage your debt.

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IRS Wage Garnishment Procedures

Written by the Upsolve TeamLegally 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.

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Foreclosures & Eviction Protections Under The CARES Act

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Bankruptcy and the Homestead Exemption

Written by the Upsolve TeamLegally 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.

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What Is the 341 Meeting of Creditors?

Written by the Upsolve TeamLegally reviewed by Lawyer John Coble
Updated July 27, 2023

The 341 meeting of creditors is a required meeting between a bankruptcy filer, the bankruptcy trustee, and sometimes creditors. It's an informal hearing held in a meeting room, not a courtroom. 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.

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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.

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What You Need To Know About Divorce and Bankruptcy

Written by the Upsolve TeamLegally 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.

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Pros & Cons of Debt Settlement

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 26, 2023

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.

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Should I Take A Bailout Loan To Stop Foreclosure?

Written by the Upsolve TeamLegally 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.

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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.

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

Written by the Upsolve TeamLegally 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.

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Navigating Bankruptcy: Understanding Which Debts Can't Be Discharged

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 20, 2023

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.

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Navigating Bankruptcy: Understanding Which Debts Can't Be Discharged

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 20, 2023

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.

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Is Filing for Bankruptcy Bad?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Are Credit Repair Companies a Bad Idea?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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

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5 Important Bankruptcy Questions (and Answers!)

Written by the Upsolve TeamLegally 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.

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Consolidating Federal Student Loans: A Comprehensive Guide

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Cancellation Of Debt & Related Pitfalls

Written by the Upsolve TeamLegally 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.

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What You Need To Know About Wrongful Foreclosure

Written by the Upsolve TeamLegally 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.

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How To Buy a Car After Repossession

Written by the Upsolve TeamLegally 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.

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Bad Credit: The Problem & Solutions

Written by the Upsolve TeamLegally 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.

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Which states allow me to use the federal bankruptcy exemptions?

Written by the Upsolve TeamLegally 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.

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What Happens If The Bank Takes My Car?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

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.

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What Will Happen If I Don’t Pay an Unsecured Loan?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

Unsecured debt includes credit card debt, student loans, personal loans, cash advances, medical debt, retail store accounts, and money borrowed from family or friends. This article will discuss unsecured debts, what happens if you default on these types of debts, and what options you have for dealing with them after defaulting.

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Florida Repossession Law

Written by the Upsolve TeamLegally 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.

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What Is Debt Settlement?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 10, 2023

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.

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What Is Debt Settlement?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 10, 2023

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.

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Can You Arrange a Settlement With Student Loan Lenders?

Written by the Upsolve TeamLegally 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.

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Is 600 a Good or Bad Credit Score?

Written by the Upsolve TeamLegally 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.

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What Are the Texas Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 27, 2023

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.

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What Is Equity?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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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.

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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.

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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.

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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.

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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.

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What Is a Debt Management Plan?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 17, 2022

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.

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What Is a Debt Management Plan?

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 17, 2022

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.

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What To Expect at Your 341 Meeting of Creditors

Written by the Upsolve TeamLegally 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.

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How Does Bankruptcy Affect Alimony?

Written by the Upsolve TeamLegally 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.

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What Happens After the 341 Meeting of Creditors?

Written by the Upsolve TeamLegally 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.

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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.

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What Are the Michigan Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

Michigan allows residents to choose between the federal bankruptcy exemptions and state exemptions.

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What Are the Oregon Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

There is some good news for Oregonians who are looking to file for bankruptcy protection in the state. Note that now there are 2 separate systems of bankruptcy exemptions to protect Oregon filers in bankruptcy. The Governor signed a significant law on July 1, 2013, that now allows individuals filing either Chapter 7 bankruptcy or Chapter 13 bankruptcy in the state to elect to use federal bankruptcy exemptions. It is a huge change to the bankruptcy process in Oregon with a substantial impact on bankruptcy cases now being filed.

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What Are the Wisconsin Bankruptcy Exemptions?

Written by the Upsolve TeamLegally 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.

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What Are the Colorado Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated April 1, 2022

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.

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Will a Foreclosure Ruin My Credit Forever?

Written by the Upsolve TeamLegally 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.

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What Are the Ohio Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 31, 2022

If you’re filing bankruptcy in Ohio, you must use the state’s exemptions to protect your property. Ohioans aren’t allowed to use the federal bankruptcy exemptions. Ohio has a homestead, motor vehicle, and wildcard exemption. It also has exemptions for various kinds of personal property and money benefits.

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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.

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California Bankruptcy Exemptions Explained

Written by the Upsolve TeamLegally 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.

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How Do I Find an Affordable Bankruptcy Attorney?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 21, 2022

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.

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What Is Credit Counseling?

Written by the Upsolve Team
Updated February 22, 2022

Credit counseling is not a debt relief solution in itself. Instead, it’s a starting point for people who are looking for the right solution.

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Can My Spouse Be Pursued for My Debts?

Written by the Upsolve TeamLegally 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.

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What Are the Illinois Bankruptcy Exemptions?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 5, 2022

If you have done a bit of research on bankruptcy cases in Illinois or exempt property, you will probably have come across the terms federal bankruptcy exemptions and state exemptions. Many states in the US allow people to choose between the federal exemptions and state exemptions. However, you don’t have that option in Illinois. In Illinois, you are not permitted to use the federal bankruptcy exemptions if you’ve lived in the state for at least 2 years when you file bankruptcy. Fortunately, Illinois has generous bankruptcy exemptions that can protect your property.

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

Written by the Upsolve TeamLegally 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.

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Eviction 101

Written by the Upsolve TeamLegally 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.

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How a Short Sale Could Affect Your Credit

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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What Is A Charge Off On A Car Loan?

Written by the Upsolve TeamLegally 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.

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What Is the Process of a Nonjudicial Foreclosure?

Written by the Upsolve TeamLegally 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.

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Writing a Debt Settlement Offer Letter

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 30, 2021

A debt settlement offer letter serves as a borrower's offer of some sum of money to a creditor in exchange for forgiveness of the remainder of the debt. The proposal in your debt settlement is a legal contract offer, so it is important to use precise language, such as the language provided in the template section of this article.

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Loans For Unemployed: Options & Processes

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Staying in Your Home During and After Foreclosure

Written by the Upsolve TeamLegally 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.

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How Does a Tax Lien Foreclosure Work?

Written by the Upsolve TeamLegally 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.

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Relief for Homeowners Facing Foreclosure in the COVID-19 Era

Written by the Upsolve TeamLegally 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.

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Should I Inform My Tax Preparer About My Bankruptcy Case?

Written by the Upsolve TeamLegally 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.

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Using a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

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.

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Using a Fee Waiver for Free Bankruptcy Credit Counseling

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

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.

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Can I Fix Negative Information on My Credit Report?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 16, 2021

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.

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The Government Lawsuit Against Ocwen

Written by the Upsolve TeamLegally 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.

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Your Rights After Your Lender Transfers Your Home Loan

Written by the Upsolve TeamLegally 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.

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4 Tips To Get Out of a Car Lease

Written by the Upsolve TeamLegally 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.

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The 7 Steps of a Nonjudicial Foreclosure

Written by the Upsolve TeamLegally 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.

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What Is Mortgage Deferral and How Does It Help Homeowners?

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 9, 2021

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.

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

Written by the Upsolve TeamLegally 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.

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Can the IRS Take Your Home?

Written by the Upsolve TeamLegally 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.

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How Will Foreclosure Affect My Credit?

Written by the Upsolve TeamLegally 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.

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Debt Consolidation vs. Bankruptcy – Which Is Better?

Written by the Upsolve TeamLegally 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.

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5 Smart Strategies To Boost Your Credit Score

Written by the Upsolve TeamLegally 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.

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How Can I Raise My Credit Score by 200 Points?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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How a Lawyer Can Help You With Car Repossession

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 5, 2021

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.

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

Written by the Upsolve TeamLegally 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.

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How Long Does It Take To Improve Your Credit Score?

Written by the Upsolve TeamLegally 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.

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What Is The IRS Statute Of Limitations?

Written by the Upsolve TeamLegally 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.

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4 Important Facts About Wage Garnishment

Written by the Upsolve TeamLegally 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.

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Getting a Repossessed Car Back

Written by the Upsolve TeamLegally 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.

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8 Tips for Effective Money Management

Written by the Upsolve TeamLegally 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.

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Statute of Limitations in Small Claims Court

Written by the Upsolve TeamLegally 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.

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What Happens When Someone Sues You?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 18, 2021

If you discover that a creditor has sent one or more of your current debts to a collection agency, it’s best to take action immediately to fix the situation. Having a debt sent to collections is a blemish on your credit report, and your credit score will suffer as well. Debt collectors have 30 days to report that your account was sent to collections, so you may not discover this until you get your next monthly statement. This can be frustrating, but what you do once you find out about it is what matters. You can take the following steps to minimize the financial impact of your delinquent account.

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How Long Does a Credit Dispute Take?

Written by the Upsolve TeamLegally 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.

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Rapid Rescoring: Updating Your Credit Report Quickly

Written by the Upsolve TeamLegally 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.

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How Long Does a Repo Stay on Your Credit Report?

Written by the Upsolve TeamLegally 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.

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Partial Unemployment Benefits: Eligibility Requirements & How To Apply

Written by the Upsolve TeamLegally 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.

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What Does It Mean To Be Laid Off?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 29, 2021

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.

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Wage Garnishment Exemptions

Written by the Upsolve TeamLegally 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.

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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.

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I Live in Washington State and Debt Collectors Are Calling

Written by the Upsolve TeamLegally 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.

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I paid off my wage garnishment, now what?

Written by the Upsolve TeamLegally 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.

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Wage Garnishment In California

Written by the Upsolve TeamLegally 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.

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6 Strategies That Can Help You Become Debt-Free

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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What is zombie debt and should I be concerned?

Written by the Upsolve TeamLegally 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.

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Property Inspections

Written by the Upsolve TeamLegally 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.

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Principal-Only Payments: Are They a Good Idea?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Can an employer contest unemployment benefits?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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You Can Win That Debt Collection Lawsuit

Written by the Upsolve TeamLegally 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.

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Furlough: How It Works And Why It Matters

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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Understanding Credit Card Wage Garnishment

Written by the Upsolve TeamLegally 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.

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How Repossession Affects Your Credit

Written by the Upsolve TeamLegally 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.

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Florida Bankruptcy Exemptions Explained

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 17, 2021

If you have done some research on bankruptcy cases or exempt property, you will probably have come across the terms federal bankruptcy exemptions and state exemptions. Although the federal Bankruptcy Code has a list of bankruptcy exemptions, these exemptions aren’t available in Florida. In Florida, you are not permitted to use the federal bankruptcy exemptions. Florida residents have to use the state exemptions. Also, you can use the federal nonbankruptcy exemptions contained in the federal law if you have any assets covered by them.

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Bankruptcy Statistics

Written by the Upsolve TeamLegally 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.

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Chapter 7 Document Checklist

Written by the Upsolve TeamLegally 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.

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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.

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How do I prepare for my hearing?

Written by the Upsolve TeamLegally 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.

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How do I prepare for my hearing?

Written by the Upsolve TeamLegally 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.

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What are the Virginia Bankruptcy Exemptions?

Written by the Upsolve TeamLegally 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.

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How Settling a Credit Card Debt Affects Your Credit Score

Written by the Upsolve TeamLegally 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.

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Intellectual Property and Bankruptcy

Written by the Upsolve TeamLegally 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.

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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.

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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.

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Can A Judgment Creditor Take My Car?

Written by the Upsolve TeamLegally 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.

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

Written by the Upsolve TeamLegally 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.

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How to Protect Property from Garnishment

Written by the Upsolve TeamLegally 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.

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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.

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Corporate Bankruptcy Explained

Written by the Upsolve TeamLegally 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.

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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. 

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How to Settle Your Debts in Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

This guide provides detailed information about the debt settlement process. After reviewing this information, you can determine whether it is an option worthy of your consideration; if not, you can explore debt management alternatives at the end of this guide.

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How to Get Free Credit Counseling in Washington

Written by the Upsolve Team
Updated December 20, 2023

There are three steps to obtaining free credit counseling in Washington: a) locating a Washington non-profit credit counseling agency; b) researching the agency you choose to go; and c) preparing some questions to ask your Washington credit counselor at your initial credit counseling session. Let’s take a look at each step!

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How to Settle Your Debts in Delaware

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

Once you’ve gathered information about your debts and your ability to repay them, you can determine whether pursuing debt settlement is in your best interests. If you choose to settle your debts, you’ll also need to make an informed choice about negotiating with your creditors on your own or seeking the assistance of a debt settlement company. 

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How to Consolidate Your Debts in New York

Written by the Upsolve Team
Updated December 20, 2023

If you are interested in consolidating your debts, the rest of this article will show you how. We will also discuss alternatives to debt consolidation and help you understand which is right for you.

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How to Consolidate Your Debts in Hawaii

Written by the Upsolve Team
Updated December 20, 2023

If you have debt, the following exercise will help you determine whether debt consolidation is a good option for your financial situation. Even if you decide it’s not a good fit, completing this exercise will help you get more organized and better equipped to tackle your debt. 

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How to Consolidate Your Debts in New Jersey

Written by the Upsolve Team
Updated December 20, 2023

Depending on your current financial situation, there are many ways to do debt consolidation in New Jersey. What follows is some information on how you can go about consolidating your debts in New Jersey.

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How to Consolidate Your Debts in North Dakota

Written by the Upsolve Team
Updated December 20, 2023

If consolidating your debts into one lower monthly payment and potentially reducing the high-interest rates you are currently paying sounds like something you would be interested in, keep reading. The rest of this article will explain how you can consolidate your debts in North Dakota.

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How to Get Free Credit Counseling in Wyoming

Written by the Upsolve Team
Updated December 20, 2023

Because you should never pay for an initial credit counseling session, this article will show you the steps you can take to find free non-profit credit counseling in Wyoming. We will also explain some basic research you can do on the credit counseling agency you choose to work with, suggest some questions to ask at your first credit counseling session, and tell you what to expect at the session and what happens next if you decide to move forward.

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How To Get Free Credit Counseling in Wisconsin

Written by the Upsolve Team
Updated December 20, 2023

In Wisconsin, consumer credit counseling can only be offered by a licensed Adjustment Service Company. An Adjustment Service Company is defined under Wisconsin law as a company or agency engaged in the business of prorating the income of a debtor to the debtor's creditor or creditors, or of assuming the obligations of any debtor by purchasing the accounts the debtor may have with the debtor's several creditors, in return for which the principal receives a service charge or other consideration.

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How to Settle Your Debts in Connecticut

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

Before committing to the debt settlement process, it’s important to determine whether you have the resources to make a debt settlement work for you. If your situation is a good fit for this process, this guide will give you a solid overview of what you can expect from this debt management approach. 

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How to Consolidate Your Debts in Illinois

Written by the Upsolve Team
Updated December 20, 2023

Now that we’ve gone-over some general information, the next several sections will give you a more detailed explanation of how debt consolidation works. Once you complete the exercise, you should have a better idea of whether debt consolidation is a good fit for you. If debt consolidation isn’t for you, the guide also has information about other debt relief options.

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How to Get Free Credit Counseling In Kentucky

Written by the Upsolve Team
Updated December 20, 2023

Follow these five steps to get the debt relief you need by getting free credit counseling in Kentucky. 

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How to Settle Your Debts in Alaska

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

To determine whether a debt settlement can work for you, you’ll need to take a close look at your debts and your finances. Once you’ve learned how to do this, you can better judge whether a settlement plan is a better option than securing a debt consolidation loan or entering into a debt management plan.

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How To Consolidate Your Debts in Nevada

Written by the Upsolve Team
Updated December 20, 2023

After you have had your initial credit counseling session, you may want to know more about how to obtain your own debt consolidation. The rest of this article is designed to lay out the steps involved in consolidating your debts in Nevada.

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How to Settle Your Debts in Colorado

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

Before you can successfully determine whether a debt settlement is your best option, you must first collect and review information about your finances and about the debt settlement process itself. Once you’ve evaluated this information, you can make whatever choice is right for you at this time.

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How to Consolidate Your Debts in Minnesota

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 20, 2023

If you are interested in Minnesota debt consolidation, you can get started today even before meeting with a non-profit credit counselor. Gathering some details about your debts, income, and expenses and then crunching some numbers will help you decide whether the Minnesota debt consolidation process may be right for you.

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How to Get Free Credit Counseling In Louisiana?

Written by the Upsolve Team
Updated December 20, 2023

Are you looking to get free credit counseling in Louisiana? You have come to the right place. Follow these five steps to get the debt relief you need. 

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How To Get Free Credit Counseling in New York

Written by the Upsolve Team
Updated October 6, 2023

Getting free credit counseling in New York is easy; all you have to do is follow these five simple steps and get the debt relief you need. 

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How To File Bankruptcy for Free in Montana

Written by the Upsolve Team
Updated September 29, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in Idaho

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated September 29, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How to Consolidate Your Debts in Georgia

Written by the Upsolve Team
Updated August 15, 2023

The next few sections will outline debt consolidation a bit more fully so that you can determine whether it’s an option for your financial situation. If, after you’ve finished the exercise, you determine that loan consolidation is not a good fit for you, the guide also discusses other debt relief alternatives. 

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How to Consolidate Your Debts in Indiana

Written by the Upsolve Team
Updated August 15, 2023

The following exercise is designed to help you pull together the details of your finances so that you can determine whether debt consolidation is a good option for you. If you decide that debt consolidation isn’t a good fit, there are additional money management options discussed at the end of this article that may be more viable solutions for you.

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How to Consolidate Your Debts in Iowa

Written by the Upsolve Team
Updated August 15, 2023

The next few sections provide instructions that should help you to determine whether debt consolidation may be a good fit for your financial situation. If, after you’ve finished the following exercises, you don’t think that debt consolidation is a good fit for you, the guide also discusses debt relief alternatives for your consideration. 

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 15, 2023

Dealing with debt can be confusing, and there are a lot of options to think about when you get started trying to find a solution that is best for you and your family. A New Hampshire DMP is a good option for many that will pay off – not just manage – your debts so you can get back on track. We’ll show you how the process works and how working with a credit counseling agency to review your finances, develop a manageable monthly payment, and negotiate with creditors can give you back financial freedom.  

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

Written by the Upsolve Team
Updated August 11, 2023

Getting out of debt is an uphill battle, but with the right information and some good choices you’re well on your way! There are a lot of options to consider, but a Wyoming DMP can be a good option to pay off your debts instead of just keeping your head above water. Read on to learn about the process and how working with a credit counseling agency to develop a realistic, consolidated repayment plan can be your first step to financial freedom. 

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 11, 2023

Getting out of debt is a process, but before you begin, it’s important to learn about the options you’ve got. Not every choice is right for everyone. We’re going to talk about the debt management plan option, which basically means you work with a credit counseling agency who will negotiate a reasonable payment on your behalf to address all your debts at once, so you can end up debt-free. Learning about this option can help you make the best choice to take control of your financial situation.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

It can be difficult to get out of debt, but educating yourself on your options, like a debt management program, is the first step. Getting help from a professional agency to bundle your debts into a single, more manageable payment every month to pay off your debt is a good first step, and we’ll show you how that process works.

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How To Consolidate Your Debts in Idaho

Written by the Upsolve Team
Updated August 10, 2023

The next several sections will give you a more detailed explanation of how debt consolidation works and walk you through an exercise to see whether it’s a potential option for financial circumstances. The guide concludes with information about other possible debt relief solutions.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated August 10, 2023

Nobody gets out of debt overnight, but if you explore your options and decide that a Nebraska DMP is the best choice to fix your finances, then one will be made available to you. You’ll work with a credit counseling agency to evaluate your personal finances, come up with a manageable plan, and work with creditors so you can have more control over your financial future.

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Wage Garnishment in South Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 26, 2023

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how South Carolina regulates wage garnishments.

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Wage Garnishment in Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 25, 2023

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Texas regulates wage garnishments.

Read More →

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated July 14, 2023

You’ll need to take a few steps before you can benefit from entering into a Montana debt management plan. Consider the following information when determining whether entering into a DMP may be a good option for your circumstances.  

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Wage Garnishment in California

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated May 15, 2023

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how California regulates wage garnishments.

Read More →

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

If you want to learn how to consolidate your debt without taking out a new loan, keep reading to learn about creating a West Virginia DMP. We’ll share the pros and cons of various debt relief options so you can find a debt solution that’s just right for you. 

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Wage Garnishment in Tennessee

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated May 11, 2023

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Tennessee regulates wage garnishments.

Read More →

How To File Bankruptcy for Free in West Virginia

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 10, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in Tennessee

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated May 10, 2023

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

Wage Garnishment in South Dakota

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 27, 2023

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how South Dakota regulates wage garnishments.

Read More →

Repossession Laws in New Hampshire

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 27, 2023

Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of New Hampshire's Repossession Laws and what you should know if you've fallen behind on car payments.

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Repossession Laws in Rhode Island

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 27, 2023

Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Rhode Island's Repossession Laws and what you should know if you've fallen behind on car payments.

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The Upsolve Policy Platform

Written by the Upsolve Team
Updated February 8, 2023

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How To File Bankruptcy for Free in Virginia

Written by the Upsolve TeamLegally reviewed by Attorney Paige Hooper
Updated March 22, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 15, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in North Dakota

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 15, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

How To File Bankruptcy for Free in Rhode Island

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 9, 2022

Filing for bankruptcy doesn’t have to be scary and confusing. We provide helpful tips and resources to help you file Chapter 7 bankruptcy in your state without a lawyer.

Read More →

Eviction Laws and Tenant Rights in Maryland

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Landlords in Maryland can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Maryland.

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Eviction Laws and Tenant Rights in Connecticut

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Landlords in Connecticut can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Connecticut.

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Eviction Laws and Tenant Rights in New Hampshire

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 12, 2022

Landlords in New Hampshire can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in New Hampshire.

Read More →

Eviction Laws and Tenant Rights in Vermont

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 11, 2022

Landlords in Vermont can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Vermont.

Read More →

Repossession Laws in North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 7, 2022

Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of North Carolina's Repossession Laws and what you should know if you've fallen behind on car payments.

Read More →

Repossession Laws in Mississippi

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 5, 2022

Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Mississippi's Repossession Laws and what you should know if you've fallen behind on car payments.

Read More →

Eviction Laws and Tenant Rights in Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 5, 2022

Landlords in Oregon can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Oregon.

Read More →

Repossession Laws in Nebraska

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 4, 2022

Repossession is the process of taking back a car after the owner defaults on their auto loan. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. This page will provide an overview of Nebraska's Repossession Laws and what you should know if you've fallen behind on car payments.

Read More →

Wage Garnishment in Pennsylvania

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Pennsylvania regulates wage garnishments.

Read More →

How To Consolidate Your Debts in Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

So far you have learned about debt consolidation as a form of debt relief and how free credit counseling services can help you work out a payment plan with your creditors. Next, this guide will provide information about determining the best option for consolidating your debt. 

Read More →

How To Consolidate Your Debts in Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

So far you have learned about debt consolidation as a form of debt relief and how free credit counseling services can help you work out a payment plan with your creditors. Next, this guide will provide information about determining the best option for consolidating your debt. 

Read More →

Wage Garnishment in Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Maine regulates wage garnishments.

Read More →

Wage Garnishment in Montana

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Montana regulates wage garnishments.

Read More →

How To Settle Your Debts in Kansas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 31, 2021

This guide provides you with information to determine whether a debt settlement program is right for you. It will also provide a brief overview of alternatives to debt settlement in case this is not the best option to resolve your debt.  

Read More →

Eviction Laws and Tenant Rights in South Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 27, 2021

Landlords in South Carolina can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in South Carolina.

Read More →

Eviction Laws and Tenant Rights in Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Landlords in Texas can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Texas.

Read More →

Eviction Laws and Tenant Rights in Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Landlords in Maine can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Maine.

Read More →

Eviction Laws and Tenant Rights in Montana

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Landlords in Montana can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Montana.

Read More →

Eviction Laws and Tenant Rights in Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Landlords in Georgia can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Georgia.

Read More →

Eviction Laws and Tenant Rights in Arizona

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 22, 2021

Landlords in Arizona can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Arizona.

Read More →

Wage Garnishment in Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 14, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Ohio regulates wage garnishments.

Read More →

How To Consolidate Your Debts in Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 14, 2021

This guide will walk you through the steps of the debt consolidation process so that you can make an informed decision about your options. If debt consolidation is not the right debt management alternative for your situation, know that you’ll be able to access information about other popular debt management options at the end of this guide as well.

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How to Consolidate Your Debts in New Mexico

Written by the Upsolve Team
Updated December 14, 2021

The rest of this guide is written in a step by step fashion to walk you through the process of consolidating your debts. While most of the steps apply specifically to a New Mexico debt consolidation loan, we will also show how a debt management plan can be a good alternative to a New Mexico debt consolidation loan.

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Wage Garnishment in Alaska

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated December 3, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Alaska regulates wage garnishments.

Read More →

Eviction Laws and Tenant Rights in Virginia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 19, 2021

Landlords in Virginia can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Virginia.

Read More →

Eviction Laws and Tenant Rights in Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 19, 2021

Landlords in Florida can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Florida.

Read More →

Eviction Laws and Tenant Rights in West Virginia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 19, 2021

Landlords in West Virginia can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in West Virginia.

Read More →

Eviction Laws and Tenant Rights in North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

Landlords in North Carolina can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in North Carolina.

Read More →

Wage Garnishment in the District of Columbia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 18, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how District of Columbia regulates wage garnishments.

Read More →

Wage Garnishment in North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 11, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how North Carolina regulates wage garnishments.

Read More →

Eviction Laws and Tenant Rights in Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated November 9, 2021

Landlords in Alabama can’t just change the locks, toss your belongings out on the front yard, or shut down essential utilities. A landlord must follow the eviction process in order to have a tenant evicted for any reason. Here's an overview of what this means for tenants in Alabama.

Read More →

How to Get Free Credit Counseling in Missouri

Written by the Upsolve Team
Updated November 6, 2021

Follow these five steps to get the debt relief you need by getting free credit counseling in Missouri.

Read More →

Wage Garnishment in Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 26, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Oklahoma regulates wage garnishments.

Read More →

Wage Garnishment in West Virginia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 25, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how West Virginia regulates wage garnishments.

Read More →

Wage Garnishment in Wyoming

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 25, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Wyoming regulates wage garnishments.

Read More →

Hebrew Free Loan Society: Nonprofit Lending at 0% Interest

Written by the Upsolve Team
Updated October 22, 2021

The Hebrew Free Loan Society (HFLS) can help you manage financial challenges while avoiding expensive credit cards or high-interest loans.

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Wage Garnishment in Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Georgia regulates wage garnishments.

Read More →

Wage Garnishment in Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Oregon regulates wage garnishments.

Read More →

Wage Garnishment in Minnesota

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 21, 2021

A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Minnesota regulates wage garnishments.

Read More →

How to Settle Your Debts in Indiana

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

Debt settlement is just one type of debt relief option available to you at this time. This guide will help you determine whether debt settlement, or a debt management alternative, is the best “fit” for your unique circumstances.

Read More →

How to Settle Your Debts in Illinois

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

This guide will now provide you with information about how to determine whether the debt settlement process may be right for you. If it isn’t a good fit, consider reviewing the debt management alternatives introduced at the end of this guide for additional inspiration.

Read More →

How to Settle Your Debts in California

Written by the Upsolve Team
Updated March 26, 2021

To evaluate whether a debt settlement is right for you, you have to gather and analyze information about your income and expenses to determine whether your budget can afford payments into an escrow fund. Then you have to choose who will negotiate settlement of your debts. 

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How to Settle Your Debts in Iowa

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

There are many options available to those who are interested in managing their debt more effectively. Read on to learn more about the debt settlement process specifically and to learn some general knowledge about some debt management alternatives that may or may not be a better “fit” for your specific circumstances.  

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How to Settle Your Debts in Idaho

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

The rest of the guide will empower you to gather and review your financial information, so that you can determine whether debt settlement is the best debt relief option for your family at this time. If debt settlement isn’t an ideal choice, this guide will also introduce you to some debt relief alternatives that may be worthy of your consideration.

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

Written by the Upsolve Team
Updated March 26, 2021

To get into a debt management program, you’ll have to take a few steps to get an overview of your financial situation. Contacting a credit counseling agency is the first step into this process.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 26, 2021

You’ll have to take a few steps to start a debt management program. This process begins with assessing your financial situation and contacting a credit counseling agency.

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How to Settle Your Debts in Arizona

Written by the Upsolve Team
Updated March 26, 2021

Once you’ve gathered the details about your debts and your ability to repay them, you’ve started work on a budget. If you decide to pursue a debt settlement, then you’ll need to know how and who can help you do it.

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How to Consolidate Your Debts in Maine

Written by the Upsolve Team
Updated March 25, 2021

Now that you are ready to explore debt consolidation as an option for you and your family, the rest of this guide will give you step-by-step information on getting started. We will begin by going over the information and documents you should get together beforehand. Next, we will show you how to use that information to determine if you are a good candidate for debt consolidation and finally we will show you where you can go to get help putting together the debt consolidation program that is best for you.

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Filing Bankruptcy in Raleigh, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 27, 2021

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Raleigh, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 27, 2021

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Birmingham, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 13, 2021

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Birmingham, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated January 13, 2021

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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15 Philadelphia Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Philadelphia bankruptcy, you’re probably wondering how to find a bankruptcy lawyer who “fits” your unique financial needs. You’ll benefit from working with an experienced attorney whose approach to the bankruptcy process seems practical and manageable to you. You may need to schedule consultations with a few attorneys until you find a lawyer who helps you feel confident, capable, and informed when approaching the bankruptcy process. Consider reviewing the following law firm profiles. Each will give you basic, introductory information about bankruptcy law firms in Philadelphia run by at least one experienced bankruptcy attorney. When you find a few firms that look intriguing to you, feel free to reach out and schedule a risk-free consultation and ask any questions you may have about their approach to representation and about filing for bankruptcy generally.

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15 Philadelphia Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Philadelphia bankruptcy, you’re probably wondering how to find a bankruptcy lawyer who “fits” your unique financial needs. You’ll benefit from working with an experienced attorney whose approach to the bankruptcy process seems practical and manageable to you. You may need to schedule consultations with a few attorneys until you find a lawyer who helps you feel confident, capable, and informed when approaching the bankruptcy process. Consider reviewing the following law firm profiles. Each will give you basic, introductory information about bankruptcy law firms in Philadelphia run by at least one experienced bankruptcy attorney. When you find a few firms that look intriguing to you, feel free to reach out and schedule a risk-free consultation and ask any questions you may have about their approach to representation and about filing for bankruptcy generally.

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15 New York City Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for New York City bankruptcy can be an overwhelming experience. There are so many law firms to choose from in New York City that it can be difficult to know how to begin a search for a bankruptcy attorney whose approach suits your unique situation. Reviewing the 15 profiles below can be a great place to start. You’ll learn that some bankruptcy lawyers practice consumer bankruptcy and Chapter 11 bankruptcy for businesses, while others cater to Chapter 7 and Chapter 13 bankruptcy filers specifically. Some offer flat fees and some offer payment plans. You’ll also discover that some firms focus exclusively on bankruptcy law while others offer a variety of different legal services. Once you determine which firms might be a good “fit” for your circumstances, you can contact them directly and ask them any questions that may be on your mind.

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15 New York City Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for New York City bankruptcy can be an overwhelming experience. There are so many law firms to choose from in New York City that it can be difficult to know how to begin a search for a bankruptcy attorney whose approach suits your unique situation. Reviewing the 15 profiles below can be a great place to start. You’ll learn that some bankruptcy lawyers practice consumer bankruptcy and Chapter 11 bankruptcy for businesses, while others cater to Chapter 7 and Chapter 13 bankruptcy filers specifically. Some offer flat fees and some offer payment plans. You’ll also discover that some firms focus exclusively on bankruptcy law while others offer a variety of different legal services. Once you determine which firms might be a good “fit” for your circumstances, you can contact them directly and ask them any questions that may be on your mind.

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15 Atlanta Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for bankruptcy in Atlanta, you may benefit from speaking with an experienced bankruptcy attorney. Bankruptcy lawyers in Atlanta are familiar with the process of filing for bankruptcy in the Northern District of Georgia and can advise you regarding any and all debt relief options that may be a good fit for your financial circumstances. When researching Atlanta bankruptcy lawyers, you’ll discover that there are many law firms to choose from. Many bankruptcy attorneys offer free consultations, so don’t hesitate to interview more than one potential candidate before you determine who you want to work with. In the profiles of Atlanta, Georgia law firms noted below, you’ll learn introductory information about some of the bankruptcy lawyers you can hire to assist you with your bankruptcy case. Every law firm’s approach to legal services is different. Ask as many questions as you need to make the choice that’s right for you.

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15 Atlanta Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for bankruptcy in Atlanta, you may benefit from speaking with an experienced bankruptcy attorney. Bankruptcy lawyers in Atlanta are familiar with the process of filing for bankruptcy in the Northern District of Georgia and can advise you regarding any and all debt relief options that may be a good fit for your financial circumstances. When researching Atlanta bankruptcy lawyers, you’ll discover that there are many law firms to choose from. Many bankruptcy attorneys offer free consultations, so don’t hesitate to interview more than one potential candidate before you determine who you want to work with. In the profiles of Atlanta, Georgia law firms noted below, you’ll learn introductory information about some of the bankruptcy lawyers you can hire to assist you with your bankruptcy case. Every law firm’s approach to legal services is different. Ask as many questions as you need to make the choice that’s right for you.

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15 Houston Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Houston bankruptcy, you are fortunate to have a number of bankruptcy attorneys practicing in area law offices. Not every bankruptcy lawyer handles both consumer and business bankruptcy cases. Some only assist clients seeking to file for Chapter 7 and Chapter 13 bankruptcy, while others also assist business owners hoping to file for Chapter 11 bankruptcy. It’s therefore important to identify whether a specific bankruptcy lawyer meets your unique needs. In each profile below, you’ll find important, introductory information about many of the bankruptcy attorneys currently practicing in Houston. Once you identify firms that may fit your needs, you can schedule consultations with those firms accordingly.

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15 Houston Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Houston bankruptcy, you are fortunate to have a number of bankruptcy attorneys practicing in area law offices. Not every bankruptcy lawyer handles both consumer and business bankruptcy cases. Some only assist clients seeking to file for Chapter 7 and Chapter 13 bankruptcy, while others also assist business owners hoping to file for Chapter 11 bankruptcy. It’s therefore important to identify whether a specific bankruptcy lawyer meets your unique needs. In each profile below, you’ll find important, introductory information about many of the bankruptcy attorneys currently practicing in Houston. Once you identify firms that may fit your needs, you can schedule consultations with those firms accordingly.

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15 San Diego Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for San Diego bankruptcy can be an intimidating process. Working with an experienced bankruptcy attorney can help to ensure that this process is as low-stress and successful as possible. Which bankruptcy lawyer is the best fit for your circumstances? There is no straightforward answer to this question. To find an attorney who meets your needs, you’ll need to do a little research. Consider beginning your search for an attorney whose services, background, fees, and general approach suit your situation by reviewing the profiles listed below. Each entry will introduce you to a law firm that assists clients with Chapter 7 bankruptcy and Chapter 13 bankruptcy in San Diego. Many of these firms also practice Chapter 11 bankruptcy as well. Once you find firms that interest you, you can contact them directly for more information.

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15 San Diego Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for San Diego bankruptcy can be an intimidating process. Working with an experienced bankruptcy attorney can help to ensure that this process is as low-stress and successful as possible. Which bankruptcy lawyer is the best fit for your circumstances? There is no straightforward answer to this question. To find an attorney who meets your needs, you’ll need to do a little research. Consider beginning your search for an attorney whose services, background, fees, and general approach suit your situation by reviewing the profiles listed below. Each entry will introduce you to a law firm that assists clients with Chapter 7 bankruptcy and Chapter 13 bankruptcy in San Diego. Many of these firms also practice Chapter 11 bankruptcy as well. Once you find firms that interest you, you can contact them directly for more information.

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15 Phoenix Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Phoenix bankruptcy often requires the assistance of an experienced bankruptcy attorney. While filers of Chapter 7 bankruptcy can prepare and submit their bankruptcy cases to the Court without an attorney’s help, filers of Chapter 13 bankruptcy and Chapter 11 bankruptcy should take advantage of a a bankruptcy lawyer’s guidance to complete their debt relief process successfully. Additionally, Chapter 7 bankruptcy filers who can afford legal assistance and/or need help preparing their bankruptcy cases benefit from working with experienced Phoenix bankruptcy attorneys. If you’re filing for bankruptcy and are seeking legal guidance that fits your unique needs, consider reviewing the profiles listed below. Each will introduce you to a Phoenix law office and describes the legal services that business offers. You can then schedule consultations with those law firms that seem like a good fit for your situation. 

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15 Phoenix Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Phoenix bankruptcy often requires the assistance of an experienced bankruptcy attorney. While filers of Chapter 7 bankruptcy can prepare and submit their bankruptcy cases to the Court without an attorney’s help, filers of Chapter 13 bankruptcy and Chapter 11 bankruptcy should take advantage of a a bankruptcy lawyer’s guidance to complete their debt relief process successfully. Additionally, Chapter 7 bankruptcy filers who can afford legal assistance and/or need help preparing their bankruptcy cases benefit from working with experienced Phoenix bankruptcy attorneys. If you’re filing for bankruptcy and are seeking legal guidance that fits your unique needs, consider reviewing the profiles listed below. Each will introduce you to a Phoenix law office and describes the legal services that business offers. You can then schedule consultations with those law firms that seem like a good fit for your situation. 

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15 Chicago Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Chicago bankruptcy can be a relatively straightforward process but it can be helpful to benefit from the knowledgeable guidance of Chicago bankruptcy attorneys if you can afford that assistance. No two bankruptcy lawyers take the exact same approach to the bankruptcy process. It’s therefore important to hire an attorney you feel comfortable working with. Before you commit to one attorney over another, consider reviewing the following profiles of many bankruptcy attorneys practicing in the Chicagoland area. You can then choose to schedule consultations with any firms that may uniquely benefit your situation, depending on whether you’re filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy.

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15 Chicago Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Chicago bankruptcy can be a relatively straightforward process but it can be helpful to benefit from the knowledgeable guidance of Chicago bankruptcy attorneys if you can afford that assistance. No two bankruptcy lawyers take the exact same approach to the bankruptcy process. It’s therefore important to hire an attorney you feel comfortable working with. Before you commit to one attorney over another, consider reviewing the following profiles of many bankruptcy attorneys practicing in the Chicagoland area. You can then choose to schedule consultations with any firms that may uniquely benefit your situation, depending on whether you’re filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy.

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15 Tampa Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Trying to find the right attorney to meet your unique Tampa bankruptcy needs can be even more difficult than finding the right physician to meet your unique medical needs. Thankfully, your “gut reaction” to a professional’s background, approach to their work, approach to their clients/patients, and general demeanor can do a lot to inform your decision in either case. Just as you wouldn’t ordinarily allow a surgeon to perform a procedure (at least one that wasn’t due to an emergency) on you without meeting with them first, you shouldn’t ordinarily agree to work with a bankruptcy attorney without scheduling a consultation first. In the following profiles, you’ll learn some basic, valuable information about bankruptcy lawyers in Tampa. Consider scheduling consultations with the ones you want to know more about so that you can make an informed decision about which firm might be right for your needs.

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15 Tampa Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Trying to find the right attorney to meet your unique Tampa bankruptcy needs can be even more difficult than finding the right physician to meet your unique medical needs. Thankfully, your “gut reaction” to a professional’s background, approach to their work, approach to their clients/patients, and general demeanor can do a lot to inform your decision in either case. Just as you wouldn’t ordinarily allow a surgeon to perform a procedure (at least one that wasn’t due to an emergency) on you without meeting with them first, you shouldn’t ordinarily agree to work with a bankruptcy attorney without scheduling a consultation first. In the following profiles, you’ll learn some basic, valuable information about bankruptcy lawyers in Tampa. Consider scheduling consultations with the ones you want to know more about so that you can make an informed decision about which firm might be right for your needs.

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15 Denver Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re unsure whether filing for Denver bankruptcy is the best debt relief option for your financial circumstances, it can help to speak with a knowledgeable bankruptcy attorney before making a decision. Similarly, if you’re hoping that filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy will give your family a fresh financial start, you may benefit from speaking with a bankruptcy lawyer about making your bankruptcy process as successful as it can be. Either way, take time to find an attorney whose approach to bankruptcy law fits your needs. Reviewing these profiles of bankruptcy attorneys practicing in Denver can be a great place to begin researching your representation options. If a firm seems like it might be a good “fit” based on this introductory information, consider visiting its website and scheduling a consultation.

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15 Denver Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re unsure whether filing for Denver bankruptcy is the best debt relief option for your financial circumstances, it can help to speak with a knowledgeable bankruptcy attorney before making a decision. Similarly, if you’re hoping that filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy will give your family a fresh financial start, you may benefit from speaking with a bankruptcy lawyer about making your bankruptcy process as successful as it can be. Either way, take time to find an attorney whose approach to bankruptcy law fits your needs. Reviewing these profiles of bankruptcy attorneys practicing in Denver can be a great place to begin researching your representation options. If a firm seems like it might be a good “fit” based on this introductory information, consider visiting its website and scheduling a consultation.

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15 Columbus Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for bankruptcy can be intimidating. If you can afford to benefit from the assistance of a Columbus bankruptcy lawyer, that help can make the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy much easier and less stressful. However, trying to find a Columbus bankruptcy attorney who fits your needs can be challenging. Consider beginning your search for a qualified Columbus bankruptcy lawyer by reviewing the profiles of 15 area attorneys below. Once you identify which law firms seem to fit your needs, you can inquire about their consultation process. During these consultations, you can ask any questions you may have regarding their approach to representation and/or the bankruptcy process generally.

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15 Columbus Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for bankruptcy can be intimidating. If you can afford to benefit from the assistance of a Columbus bankruptcy lawyer, that help can make the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy much easier and less stressful. However, trying to find a Columbus bankruptcy attorney who fits your needs can be challenging. Consider beginning your search for a qualified Columbus bankruptcy lawyer by reviewing the profiles of 15 area attorneys below. Once you identify which law firms seem to fit your needs, you can inquire about their consultation process. During these consultations, you can ask any questions you may have regarding their approach to representation and/or the bankruptcy process generally.

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15 San Antonio Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Whether you’ve already made the decision to file for San Antonio bankruptcy or you’re still weighing your debt relief options, it can be helpful to speak with an experienced bankruptcy lawyer about your unique needs and expectations. However, it can be difficult to know which bankruptcy attorney you should connect with, with so many law firms currently practicing San Antonio bankruptcy law available to choose from. Consider reviewing the profiles below. You’ll learn which firms practice Chapter 7 bankruptcy, Chapter 13 bankruptcy, and/or Chapter 11 bankruptcy. You’ll also learn which firms provide legal services related to bankruptcy alternatives and other practice areas. Once you determine which firms may be a good fit for your needs, you can schedule a consultation with each of your choices to learn more about them.

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15 San Antonio Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Whether you’ve already made the decision to file for San Antonio bankruptcy or you’re still weighing your debt relief options, it can be helpful to speak with an experienced bankruptcy lawyer about your unique needs and expectations. However, it can be difficult to know which bankruptcy attorney you should connect with, with so many law firms currently practicing San Antonio bankruptcy law available to choose from. Consider reviewing the profiles below. You’ll learn which firms practice Chapter 7 bankruptcy, Chapter 13 bankruptcy, and/or Chapter 11 bankruptcy. You’ll also learn which firms provide legal services related to bankruptcy alternatives and other practice areas. Once you determine which firms may be a good fit for your needs, you can schedule a consultation with each of your choices to learn more about them.

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15 Indianapolis Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Indianapolis bankruptcy, you’re probably wondering how to begin this process and complete it successfully. Many individuals seeking debt relief solutions turn to experienced Indianapolis bankruptcy attorneys for guidance. If you’re filing for Chapter 7 bankruptcy, you don’t necessarily need to work with a bankruptcy lawyer to file your case successfully, as filing under Chapter 7 of the Bankruptcy Code is such a straightforward process. However, if you’d like assistance, or you’re planning to file for Chapter 13 bankruptcy or Chapter 11 bankruptcy, it’s important to connect with an Indiana bankruptcy law firm that provides services and an approach to representation that suits your unique needs. Each of the profiles listed below will give you a brief introduction to many of the Indianapolis law firms that practice consumer bankruptcy law. Once you learn a little about each firm’s legal services, you can visit the firm’s website and/or schedule a consultation to get more information.

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15 Indianapolis Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Indianapolis bankruptcy, you’re probably wondering how to begin this process and complete it successfully. Many individuals seeking debt relief solutions turn to experienced Indianapolis bankruptcy attorneys for guidance. If you’re filing for Chapter 7 bankruptcy, you don’t necessarily need to work with a bankruptcy lawyer to file your case successfully, as filing under Chapter 7 of the Bankruptcy Code is such a straightforward process. However, if you’d like assistance, or you’re planning to file for Chapter 13 bankruptcy or Chapter 11 bankruptcy, it’s important to connect with an Indiana bankruptcy law firm that provides services and an approach to representation that suits your unique needs. Each of the profiles listed below will give you a brief introduction to many of the Indianapolis law firms that practice consumer bankruptcy law. Once you learn a little about each firm’s legal services, you can visit the firm’s website and/or schedule a consultation to get more information.

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15 Austin Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Austin bankruptcy, it’s important to have access to the guidance you need so that you can make an informed decision about your situation. Even if you ultimately choose to file for Chapter 7 bankruptcy without a lawyer’s assistance, you may benefit from speaking with an experienced bankruptcy attorney about your debt relief options in a consultation setting. If you aren’t eligible to file for Chapter 7 bankruptcy, you’ll need to speak with a bankruptcy lawyer about filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy instead. How can you tell if a law firm’s approach is right for your situation? There is no one “correct” answer to this question. But by reading through the profiles of law firms in Austin listed below, you’ll probably be able to gain a strong sense of which firms you’d like to contact for more information.

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15 Austin Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Austin bankruptcy, it’s important to have access to the guidance you need so that you can make an informed decision about your situation. Even if you ultimately choose to file for Chapter 7 bankruptcy without a lawyer’s assistance, you may benefit from speaking with an experienced bankruptcy attorney about your debt relief options in a consultation setting. If you aren’t eligible to file for Chapter 7 bankruptcy, you’ll need to speak with a bankruptcy lawyer about filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy instead. How can you tell if a law firm’s approach is right for your situation? There is no one “correct” answer to this question. But by reading through the profiles of law firms in Austin listed below, you’ll probably be able to gain a strong sense of which firms you’d like to contact for more information.

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15 Fort Worth Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

In order to take advantage of the many potential benefits that filing for Fort Worth bankruptcy provides, you must successfully prepare and submit your case to the Court. While it’s possible for Chapter 7 bankruptcy filers to complete this process without the assistance of a bankruptcy attorney, many filers like to have access to the kinds of personalized service that bankruptcy lawyers provide. Additionally, Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers generally can’t successfully prepare their cases without professional assistance because these bankruptcy processes are complex, nuanced, and often time-intensive. How do you find a Fort Worth bankruptcy lawyer who can attend to your unique financial needs? Consider beginning your research by reviewing the profiles listed below. Each will introduce you to a Fort Worth law firm that practices consumer bankruptcy law, and may also practice business bankruptcy law and provide other legal services as well.

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15 Fort Worth Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

In order to take advantage of the many potential benefits that filing for Fort Worth bankruptcy provides, you must successfully prepare and submit your case to the Court. While it’s possible for Chapter 7 bankruptcy filers to complete this process without the assistance of a bankruptcy attorney, many filers like to have access to the kinds of personalized service that bankruptcy lawyers provide. Additionally, Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers generally can’t successfully prepare their cases without professional assistance because these bankruptcy processes are complex, nuanced, and often time-intensive. How do you find a Fort Worth bankruptcy lawyer who can attend to your unique financial needs? Consider beginning your research by reviewing the profiles listed below. Each will introduce you to a Fort Worth law firm that practices consumer bankruptcy law, and may also practice business bankruptcy law and provide other legal services as well.

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15 Los Angeles Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for bankruptcy in Los Angeles bankruptcy can be a worthwhile investment in your financial future. Chapter 7 bankruptcy filers may have their eligible debts erased in as little as 90 days. Chapter 13 bankruptcy filers benefit from more manageable debt payments and debt elimination after a 3-5 year repayment plan is complete. Chapter 11 bankruptcy benefits business owners. Not every Los Angeles bankruptcy attorney handles every kind of bankruptcy case. It’s therefore important to find a bankruptcy lawyer whose legal services, approach to bankruptcy, and law office location fits your unique needs. Reading the profiles of Los Angeles bankruptcy law firms below is a great way to begin finding the right attorney for you. After you learn about a firm’s practice areas, background, and unique approach, you can schedule consultations with any of them that interest you.

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15 Los Angeles Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for bankruptcy in Los Angeles bankruptcy can be a worthwhile investment in your financial future. Chapter 7 bankruptcy filers may have their eligible debts erased in as little as 90 days. Chapter 13 bankruptcy filers benefit from more manageable debt payments and debt elimination after a 3-5 year repayment plan is complete. Chapter 11 bankruptcy benefits business owners. Not every Los Angeles bankruptcy attorney handles every kind of bankruptcy case. It’s therefore important to find a bankruptcy lawyer whose legal services, approach to bankruptcy, and law office location fits your unique needs. Reading the profiles of Los Angeles bankruptcy law firms below is a great way to begin finding the right attorney for you. After you learn about a firm’s practice areas, background, and unique approach, you can schedule consultations with any of them that interest you.

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15 Orlando Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Orlando bankruptcy can provide your family with a financial “fresh start.” It’s therefore important to treat the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy seriously. Depending on your circumstances, filing for Florida bankruptcy could result in the erasure of your eligible debts in as few as 90 days. To make sure that you’re able to benefit from the bankruptcy process as much as possible, you’ll want to speak with a bankruptcy attorney who is (almost) as invested in the success of your fresh start as you are. Consider beginning your search for a Florida bankruptcy lawyer who will be a great “fit” for your financial situation by reviewing the law firm profiles listed below. Once you learn a little about the legal services that each Orlando law firm offers, you can determine which ones to contact for additional information.

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15 Orlando Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Orlando bankruptcy can provide your family with a financial “fresh start.” It’s therefore important to treat the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy seriously. Depending on your circumstances, filing for Florida bankruptcy could result in the erasure of your eligible debts in as few as 90 days. To make sure that you’re able to benefit from the bankruptcy process as much as possible, you’ll want to speak with a bankruptcy attorney who is (almost) as invested in the success of your fresh start as you are. Consider beginning your search for a Florida bankruptcy lawyer who will be a great “fit” for your financial situation by reviewing the law firm profiles listed below. Once you learn a little about the legal services that each Orlando law firm offers, you can determine which ones to contact for additional information.

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15 Minneapolis Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Minneapolis bankruptcy, you’re probably in need of some legal guidance. Thankfully, there are many bankruptcy lawyers in Minneapolis for you to choose from. Below, you can browse profiles of numerous Minneapolis bankruptcy attorneys. Most handle consumer cases (Chapter 7 and Chapter 13 bankruptcy) but some also handle Chapter 11 bankruptcy, which is filed by business owners. With so many options to choose from, you may be wondering which attorney will best serve your needs. It is generally a good idea to schedule a few risk-free consultations with a couple of attorneys before committing to one. Once you meet with firms that seem like a good “fit” for your circumstances, you’ll be informed enough to hire whichever attorney is right for you.

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15 Minneapolis Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Minneapolis bankruptcy, you’re probably in need of some legal guidance. Thankfully, there are many bankruptcy lawyers in Minneapolis for you to choose from. Below, you can browse profiles of numerous Minneapolis bankruptcy attorneys. Most handle consumer cases (Chapter 7 and Chapter 13 bankruptcy) but some also handle Chapter 11 bankruptcy, which is filed by business owners. With so many options to choose from, you may be wondering which attorney will best serve your needs. It is generally a good idea to schedule a few risk-free consultations with a couple of attorneys before committing to one. Once you meet with firms that seem like a good “fit” for your circumstances, you’ll be informed enough to hire whichever attorney is right for you.

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15 Riverside Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Riverside bankruptcy, you likely have many questions about how to begin this process and complete it successfully. Although it’s not necessary for Chapter 7 bankruptcy filers to work with a bankruptcy attorney to complete and submit a case, some filers prefer to work with an experienced bankruptcy lawyer instead of filing on their own. Also, anyone who is not eligible to file for Chapter 7 bankruptcy should consult a bankruptcy attorney about filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy, because these bankruptcy cases are too complex to file alone. Either way, you may benefit from doing some research into bankruptcy attorneys who have law offices in Riverside. Profiles of 15 Riverside bankruptcy law offices are listed below. Once you learn a little about your options by reviewing these profiles, you can decide if you’d like to schedule risk-free consultations with any that might fit your needs.

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15 Riverside Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Riverside bankruptcy, you likely have many questions about how to begin this process and complete it successfully. Although it’s not necessary for Chapter 7 bankruptcy filers to work with a bankruptcy attorney to complete and submit a case, some filers prefer to work with an experienced bankruptcy lawyer instead of filing on their own. Also, anyone who is not eligible to file for Chapter 7 bankruptcy should consult a bankruptcy attorney about filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy, because these bankruptcy cases are too complex to file alone. Either way, you may benefit from doing some research into bankruptcy attorneys who have law offices in Riverside. Profiles of 15 Riverside bankruptcy law offices are listed below. Once you learn a little about your options by reviewing these profiles, you can decide if you’d like to schedule risk-free consultations with any that might fit your needs.

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15 Sacramento Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Sacramento bankruptcy, you’re taking a brave step in confronting your overwhelming debt head-on. It can be difficult to muster the courage to deal with your debt when it’s often so much easier to ignore it. However, your courage is hopefully going to help you obtain a fresh start. Working with a Sacramento bankruptcy attorney to obtain debt relief can help to make this dream a reality. Whether you’re thinking about filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy, you need to find a bankruptcy lawyer whose approach to this process fits your unique needs. Consider beginning your search by reviewing the profiles listed below. Each will tell you about a law firm in Sacramento that works with consumer bankruptcy clients. You can then follow up with any firms that interest you for more information about the fees they charge, the services they offer, and their approach to representation.

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15 Sacramento Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Sacramento bankruptcy, you’re taking a brave step in confronting your overwhelming debt head-on. It can be difficult to muster the courage to deal with your debt when it’s often so much easier to ignore it. However, your courage is hopefully going to help you obtain a fresh start. Working with a Sacramento bankruptcy attorney to obtain debt relief can help to make this dream a reality. Whether you’re thinking about filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy, you need to find a bankruptcy lawyer whose approach to this process fits your unique needs. Consider beginning your search by reviewing the profiles listed below. Each will tell you about a law firm in Sacramento that works with consumer bankruptcy clients. You can then follow up with any firms that interest you for more information about the fees they charge, the services they offer, and their approach to representation.

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15 Mesa Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re struggling with overwhelming debt and you’re thinking that filing for Mesa bankruptcy might provide you with a fresh start, you’re not wrong. Depending on your income and a few other eligibility criteria, you could have eligible debts erased in as few as 90 days under Chapter 7 bankruptcy, or after completion of a 3-5 year repayment plan under Chapter 13 bankruptcy. Businesses and some individuals are also eligible for Chapter 11 bankruptcy relief. No matter which Chapter of the Bankruptcy Code you’re thinking of filing for bankruptcy under, you’ll probably benefit from speaking with a bankruptcy attorney before you make your final decision. How do you know which bankruptcy lawyer’s approach is right for your circumstances? You may not know until you meet with a few different professionals. Consider the profiles of Mesa law firms below and pick a few that seem to meet your needs. Then contact them for more information.

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15 Mesa Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re struggling with overwhelming debt and you’re thinking that filing for Mesa bankruptcy might provide you with a fresh start, you’re not wrong. Depending on your income and a few other eligibility criteria, you could have eligible debts erased in as few as 90 days under Chapter 7 bankruptcy, or after completion of a 3-5 year repayment plan under Chapter 13 bankruptcy. Businesses and some individuals are also eligible for Chapter 11 bankruptcy relief. No matter which Chapter of the Bankruptcy Code you’re thinking of filing for bankruptcy under, you’ll probably benefit from speaking with a bankruptcy attorney before you make your final decision. How do you know which bankruptcy lawyer’s approach is right for your circumstances? You may not know until you meet with a few different professionals. Consider the profiles of Mesa law firms below and pick a few that seem to meet your needs. Then contact them for more information.

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15 Las Vegas Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re struggling with overwhelming debt and believe that filing for Las Vegas bankruptcy may help to provide you with a fresh start, you likely have many questions about how the bankruptcy process works. Speaking with an experienced Las Vegas bankruptcy attorney can help to clarify your situation and help you make an informed decision about the potential benefits and drawbacks of filing for Chapter 7 or Chapter 13 bankruptcy for consumers or Chapter 11 bankruptcy for for complicated high debt load cases. Many bankruptcy lawyers practice in Las Vegas, which can make it difficult to know who you should be speaking with. To begin researching “the right attorney” for your situation, consider reviewing the profiles of Las Vegas law firms listed below. You’ll learn introductory information about the kinds of legal services provided by each firm. You can then schedule consultations with any that seem like they would serve your unique situation well.

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15 Las Vegas Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re struggling with overwhelming debt and believe that filing for Las Vegas bankruptcy may help to provide you with a fresh start, you likely have many questions about how the bankruptcy process works. Speaking with an experienced Las Vegas bankruptcy attorney can help to clarify your situation and help you make an informed decision about the potential benefits and drawbacks of filing for Chapter 7 or Chapter 13 bankruptcy for consumers or Chapter 11 bankruptcy for for complicated high debt load cases. Many bankruptcy lawyers practice in Las Vegas, which can make it difficult to know who you should be speaking with. To begin researching “the right attorney” for your situation, consider reviewing the profiles of Las Vegas law firms listed below. You’ll learn introductory information about the kinds of legal services provided by each firm. You can then schedule consultations with any that seem like they would serve your unique situation well.

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15 Dallas Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Dallas bankruptcy is a life-altering experience for many families. Getting out from underneath the weight of overwhelming debts allows Texans to focus both on meeting their immediate financial needs and on building a solid financial foundation for the future. If you’re thinking about filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy, you’re probably wondering where to begin. Speaking with an experienced Dallas bankruptcy attorney can be helpful if you’re new to the bankruptcy process. Below, you will find profiles of many of the bankruptcy lawyers currently practicing in Dallas. After reading introductory information about their law firms, their other practice areas, and approach to bankruptcy, you’ll be better informed to decide which firms to schedule consultations with as you search for the attorney who best fits your unique needs.

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15 Dallas Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Dallas bankruptcy is a life-altering experience for many families. Getting out from underneath the weight of overwhelming debts allows Texans to focus both on meeting their immediate financial needs and on building a solid financial foundation for the future. If you’re thinking about filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy, you’re probably wondering where to begin. Speaking with an experienced Dallas bankruptcy attorney can be helpful if you’re new to the bankruptcy process. Below, you will find profiles of many of the bankruptcy lawyers currently practicing in Dallas. After reading introductory information about their law firms, their other practice areas, and approach to bankruptcy, you’ll be better informed to decide which firms to schedule consultations with as you search for the attorney who best fits your unique needs.

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15 Top Jacksonville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Whether you’re still weighing your debt relief options or you’ve already made the decision to file for Jacksonville bankruptcy, you’re probably feeling conflicted about the bankruptcy process in general. When you’re struggling to make ends meet and pay your debts at the same time, the opportunities that bankruptcy provides can serve as a light at the end of a very long tunnel. But that doesn’t mean that the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy can’t be overwhelming. To add to the complexities of your situation, there are so many bankruptcy attorneys practicing in Florida that it can be hard to know which one you should work with. Consider reviewing the profiles of Jacksonville bankruptcy lawyers listed below. Once you learn a little about the legal services that each law firm offers, you can contact them for more information.

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15 Top Jacksonville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Whether you’re still weighing your debt relief options or you’ve already made the decision to file for Jacksonville bankruptcy, you’re probably feeling conflicted about the bankruptcy process in general. When you’re struggling to make ends meet and pay your debts at the same time, the opportunities that bankruptcy provides can serve as a light at the end of a very long tunnel. But that doesn’t mean that the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy can’t be overwhelming. To add to the complexities of your situation, there are so many bankruptcy attorneys practicing in Florida that it can be hard to know which one you should work with. Consider reviewing the profiles of Jacksonville bankruptcy lawyers listed below. Once you learn a little about the legal services that each law firm offers, you can contact them for more information.

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15 Fresno Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Fresno bankruptcy can change lives for the better. When families and business owners are freed from the weight of crushing debt, they can simultaneously focus on their immediate needs and build a strong financial foundation for the future. However, obtaining a fresh start through bankruptcy does take some effort and some patience. Although filers of Chapter 7 bankruptcy can complete required paperwork on their own, they – like Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers – may still benefit from speaking with a bankruptcy attorney about their financial situation before committing to this debt relief solution. If you’re thinking about filing for bankruptcy and might benefit from a bankruptcy lawyer’s counsel, consider scheduling consultations with a few of the law firms that are profiled below. Each of these consumer bankruptcy firms can advise you of your debt relief options and help you feel confident about whatever decision you ultimately make.

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15 Fresno Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Fresno bankruptcy can change lives for the better. When families and business owners are freed from the weight of crushing debt, they can simultaneously focus on their immediate needs and build a strong financial foundation for the future. However, obtaining a fresh start through bankruptcy does take some effort and some patience. Although filers of Chapter 7 bankruptcy can complete required paperwork on their own, they – like Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers – may still benefit from speaking with a bankruptcy attorney about their financial situation before committing to this debt relief solution. If you’re thinking about filing for bankruptcy and might benefit from a bankruptcy lawyer’s counsel, consider scheduling consultations with a few of the law firms that are profiled below. Each of these consumer bankruptcy firms can advise you of your debt relief options and help you feel confident about whatever decision you ultimately make.

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15 Louisville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Louisville bankruptcy can be a life-altering experience. When families are freed from the stress and practical burdens inspired by overwhelming debt, they are generally better able to meet their basic needs and to build a strong foundation for their future finances. It’s very helpful for filers to work with an experienced bankruptcy attorney when filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy. Even though it’s not necessary to work with an attorney to file for Chapter 7 bankruptcy, many filers appreciate the support and guidance that bankruptcy lawyers provide in this context. If you’re unsure of how to determine which bankruptcy attorney best fits your needs, consider reviewing the profiles of law firms in Louisville that are listed below. They’ll provide you with important, introductory information about each law office so that you can make an informed decision about which firms to contact for more information.

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15 Louisville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Louisville bankruptcy can be a life-altering experience. When families are freed from the stress and practical burdens inspired by overwhelming debt, they are generally better able to meet their basic needs and to build a strong foundation for their future finances. It’s very helpful for filers to work with an experienced bankruptcy attorney when filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy. Even though it’s not necessary to work with an attorney to file for Chapter 7 bankruptcy, many filers appreciate the support and guidance that bankruptcy lawyers provide in this context. If you’re unsure of how to determine which bankruptcy attorney best fits your needs, consider reviewing the profiles of law firms in Louisville that are listed below. They’ll provide you with important, introductory information about each law office so that you can make an informed decision about which firms to contact for more information.

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15 Tucson Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Tucson bankruptcy can allow families to obtain a fresh start. Once a successful Chapter 7 bankruptcy process erases eligible debts in as little as 90 days or a successful Chapter 13 bankruptcy process lowers monthly debt payments and erases debts after repayment plan terms are met, families can focus on building a solid financial future. Filing for Chapter 11 bankruptcy can provide a fresh start for businesses as well. If you’re thinking about filing for Tucson bankruptcy, you may benefit from speaking with a bankruptcy lawyer about your situation. Note that not all bankruptcy attorneys file every kind of bankruptcy case. Before you schedule a consultation with a bankruptcy lawyer, you need to know that they provide legal services that match your needs. Consider reading the profiles of Tucson law firms listed below. Each will give you introductory information about a specific law firm, so you can schedule consultations with those that provide services relevant to your circumstances.

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15 Tucson Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Tucson bankruptcy can allow families to obtain a fresh start. Once a successful Chapter 7 bankruptcy process erases eligible debts in as little as 90 days or a successful Chapter 13 bankruptcy process lowers monthly debt payments and erases debts after repayment plan terms are met, families can focus on building a solid financial future. Filing for Chapter 11 bankruptcy can provide a fresh start for businesses as well. If you’re thinking about filing for Tucson bankruptcy, you may benefit from speaking with a bankruptcy lawyer about your situation. Note that not all bankruptcy attorneys file every kind of bankruptcy case. Before you schedule a consultation with a bankruptcy lawyer, you need to know that they provide legal services that match your needs. Consider reading the profiles of Tucson law firms listed below. Each will give you introductory information about a specific law firm, so you can schedule consultations with those that provide services relevant to your circumstances.

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15 Top Nashville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re considering filing for Nashville bankruptcy, you’re likely in need of a little guidance. The process of filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy is complex and even the process of filing for Chapter 7 bankruptcy can be tricky at times. Thankfully, many law firms in Nashville employ experienced bankruptcy lawyers who can advise you of your options and help you make an informed decision about which debt relief opportunities are right for you. When beginning to research which bankruptcy attorneys you might want to approach with your questions, consider reviewing the law firm profiles listed below. Each profile features introductory information about a Nashville bankruptcy law office. Once you identify which law firms may meet your unique needs, you can connect with those businesses and request more information about their approach to bankruptcy representation.

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15 Top Nashville Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re considering filing for Nashville bankruptcy, you’re likely in need of a little guidance. The process of filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy is complex and even the process of filing for Chapter 7 bankruptcy can be tricky at times. Thankfully, many law firms in Nashville employ experienced bankruptcy lawyers who can advise you of your options and help you make an informed decision about which debt relief opportunities are right for you. When beginning to research which bankruptcy attorneys you might want to approach with your questions, consider reviewing the law firm profiles listed below. Each profile features introductory information about a Nashville bankruptcy law office. Once you identify which law firms may meet your unique needs, you can connect with those businesses and request more information about their approach to bankruptcy representation.

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15 Baltimore Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Baltimore bankruptcy often requires the assistance of an experienced bankruptcy lawyer. While anyone who is eligible to file for Chapter 7 bankruptcy can choose to prepare paperwork required by the Court and submit it without an attorney’s assistance, Chapter 13 bankruptcy and Chapter 11 bankruptcy filers will need to seek legal guidance before beginning these more complex bankruptcy processes. There are many Baltimore bankruptcy attorneys to choose from and you may understandably be unsure of which one you should hire to represent you. Consider beginning your search for an attorney whose approach suits your unique needs by reviewing the profiles listed below. Each will introduce you to a law firm in Baltimore that assists individuals who wish to file for bankruptcy. If any of these firms are intriguing to you, you can contact them directly for more information about their bankruptcy practice.

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15 Baltimore Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Baltimore bankruptcy often requires the assistance of an experienced bankruptcy lawyer. While anyone who is eligible to file for Chapter 7 bankruptcy can choose to prepare paperwork required by the Court and submit it without an attorney’s assistance, Chapter 13 bankruptcy and Chapter 11 bankruptcy filers will need to seek legal guidance before beginning these more complex bankruptcy processes. There are many Baltimore bankruptcy attorneys to choose from and you may understandably be unsure of which one you should hire to represent you. Consider beginning your search for an attorney whose approach suits your unique needs by reviewing the profiles listed below. Each will introduce you to a law firm in Baltimore that assists individuals who wish to file for bankruptcy. If any of these firms are intriguing to you, you can contact them directly for more information about their bankruptcy practice.

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14 Top Omaha Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Before you can file for Omaha bankruptcy, you need to decide which Chapter of the Bankruptcy Code you’ll be filing under. Not every bankruptcy attorney handles Chapter 7 bankruptcy cases, Chapter 13 bankruptcy cases, and Chapter 11 bankruptcy cases. Some only handle Chapter 7 or Chapter 11, whereas many others handle both Chapter 7 and Chapter 13 bankruptcy cases. Why does this matter? Before you can find a bankruptcy lawyer to handle your unique debt relief situation, you’ll need to know if their law firm manages the kind of bankruptcy case you wish to file. Consider reading over the profiles of Omaha bankruptcy law offices listed below. Each specifies which kinds of bankruptcy the profiled law firm practices, so you’ll be able to easily tell whether it makes sense to contact them for more information or not.

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14 Top Omaha Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Before you can file for Omaha bankruptcy, you need to decide which Chapter of the Bankruptcy Code you’ll be filing under. Not every bankruptcy attorney handles Chapter 7 bankruptcy cases, Chapter 13 bankruptcy cases, and Chapter 11 bankruptcy cases. Some only handle Chapter 7 or Chapter 11, whereas many others handle both Chapter 7 and Chapter 13 bankruptcy cases. Why does this matter? Before you can find a bankruptcy lawyer to handle your unique debt relief situation, you’ll need to know if their law firm manages the kind of bankruptcy case you wish to file. Consider reading over the profiles of Omaha bankruptcy law offices listed below. Each specifies which kinds of bankruptcy the profiled law firm practices, so you’ll be able to easily tell whether it makes sense to contact them for more information or not.

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15 Cleveland Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Cleveland bankruptcy, you’re likely feeling simultaneously hopeful about the benefits that this process provides and nervous about figuring out how to navigate this process successfully. If you’re filing for Chapter 7 bankruptcy, you don’t necessarily need the assistance of a bankruptcy lawyer to prepare your case effectively. But, like Chapter 13 bankruptcy and Chapter 11 bankruptcy filers, you may benefit from speaking with a Cleveland bankruptcy attorney about all your debt relief options before you commit to filing for Ohio bankruptcy. How do you know which bankruptcy attorney is right for you? There is no “right” answer to this question, as many Ohio law offices may offer legal services that suit your needs. Below, you will find profiles of 15 Cleveland bankruptcy law firms that work with consumers who are struggling with debt. After reading each introduction, you can determine whether you’d like to contact any of them for more information.  

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15 Cleveland Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Cleveland bankruptcy, you’re likely feeling simultaneously hopeful about the benefits that this process provides and nervous about figuring out how to navigate this process successfully. If you’re filing for Chapter 7 bankruptcy, you don’t necessarily need the assistance of a bankruptcy lawyer to prepare your case effectively. But, like Chapter 13 bankruptcy and Chapter 11 bankruptcy filers, you may benefit from speaking with a Cleveland bankruptcy attorney about all your debt relief options before you commit to filing for Ohio bankruptcy. How do you know which bankruptcy attorney is right for you? There is no “right” answer to this question, as many Ohio law offices may offer legal services that suit your needs. Below, you will find profiles of 15 Cleveland bankruptcy law firms that work with consumers who are struggling with debt. After reading each introduction, you can determine whether you’d like to contact any of them for more information.  

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15 Milwaukee Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Milwaukee bankruptcy, it’s important to understand that you have more debt relief options available to you than most individuals across the country do. Ordinarily, when individuals (who aren’t business owners, farmers, or commercial fisherman) want to file for bankruptcy, they do so by filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy. Very occasionally, consumers have a reason to file Chapter 11 bankruptcy, which is usually a process reserved for businesses or high net-worth individuals. But in Wisconsin, there is also an option to file under Wisconsin Statute Section 128, which is not a debt relief option for residents of other states. If you’re interested in speaking with a bankruptcy lawyer about your debt relief options, consider reading the profiles of Milwaukee bankruptcy law firms listed below. Once you learn about each bankruptcy attorney’s practice, you can contact any that might be a good fit for your situation.

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15 Milwaukee Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

If you’re thinking about filing for Milwaukee bankruptcy, it’s important to understand that you have more debt relief options available to you than most individuals across the country do. Ordinarily, when individuals (who aren’t business owners, farmers, or commercial fisherman) want to file for bankruptcy, they do so by filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy. Very occasionally, consumers have a reason to file Chapter 11 bankruptcy, which is usually a process reserved for businesses or high net-worth individuals. But in Wisconsin, there is also an option to file under Wisconsin Statute Section 128, which is not a debt relief option for residents of other states. If you’re interested in speaking with a bankruptcy lawyer about your debt relief options, consider reading the profiles of Milwaukee bankruptcy law firms listed below. Once you learn about each bankruptcy attorney’s practice, you can contact any that might be a good fit for your situation.

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15 Miami Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Miami bankruptcy can be an intimidating experience. Yes, the benefits and opportunities that bankruptcy affords can change any filer’s life for the better. Nevertheless, allowing a Court to explore your finances in detail isn’t exactly an easy situation to navigate. Thankfully, there are many Miami bankruptcy attorneys available to help ensure that your case is successful and that your bankruptcy experience is as low-stress as possible. How do you know which bankruptcy lawyer you should work with when there are so many to choose from? Consider beginning your search for the right bankruptcy attorney for the job by reading the profiles of Miami law offices listed below. All of these law firms assist Chapter 7 bankruptcy filers, and many of them assist Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers as well. Once you find a law firm (or a few firms) you like, you can connect with that firm’s legal team for more information.

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15 Miami Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

Filing for Miami bankruptcy can be an intimidating experience. Yes, the benefits and opportunities that bankruptcy affords can change any filer’s life for the better. Nevertheless, allowing a Court to explore your finances in detail isn’t exactly an easy situation to navigate. Thankfully, there are many Miami bankruptcy attorneys available to help ensure that your case is successful and that your bankruptcy experience is as low-stress as possible. How do you know which bankruptcy lawyer you should work with when there are so many to choose from? Consider beginning your search for the right bankruptcy attorney for the job by reading the profiles of Miami law offices listed below. All of these law firms assist Chapter 7 bankruptcy filers, and many of them assist Chapter 13 bankruptcy filers and Chapter 11 bankruptcy filers as well. Once you find a law firm (or a few firms) you like, you can connect with that firm’s legal team for more information.

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15 Portland Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

The kind of Portland bankruptcy each individual and business is eligible to file varies based on certain criteria. For example, only low-income households qualify to file for Chapter 7 bankruptcy, while most other consumers file for Chapter 13 bankruptcy. By contrast, Chapter 11 bankruptcy is generally reserved for businesses and high net-worth individuals. Bankruptcy law is complex and it can therefore be difficult to know which debt relief options are applicable to you and which Portland bankruptcy attorney is most likely to be a “good fit” for your financial situation. If you’re thinking about filing for bankruptcy but you aren’t sure exactly where to start, consider reading the profiles of Portland law offices listed below. Each one will introduce you to a law firm that practices consumer bankruptcy. Once you identify which bankruptcy lawyers you’d like to learn more about, you can contact them directly for more information.

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15 Portland Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

The kind of Portland bankruptcy each individual and business is eligible to file varies based on certain criteria. For example, only low-income households qualify to file for Chapter 7 bankruptcy, while most other consumers file for Chapter 13 bankruptcy. By contrast, Chapter 11 bankruptcy is generally reserved for businesses and high net-worth individuals. Bankruptcy law is complex and it can therefore be difficult to know which debt relief options are applicable to you and which Portland bankruptcy attorney is most likely to be a “good fit” for your financial situation. If you’re thinking about filing for bankruptcy but you aren’t sure exactly where to start, consider reading the profiles of Portland law offices listed below. Each one will introduce you to a law firm that practices consumer bankruptcy. Once you identify which bankruptcy lawyers you’d like to learn more about, you can contact them directly for more information.

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15 Detroit Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

There are many law firms that practice Detroit bankruptcy law and it can be difficult to know which one you should choose to work with. Each bankruptcy law firm approaches the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, and Chapter 11 bankruptcy in its own way. Some Michigan bankruptcy law offices only cater to one type of bankruptcy, while others take a comprehensive approach. Some offer flat fees, while others choose to bill less for straightforward cases. Because filing for bankruptcy under any Chapter of the Bankruptcy Code is a potentially life-altering process, it’s important to work with a bankruptcy lawyer whose approach fits your unique needs. As you think about the kinds of things you desire from your bankruptcy representation, consider reviewing the profiles of Detroit-area law firms listed below. Each provides an introduction to the bankruptcy attorney or attorneys who practice there and the legal services they provide. You can then connect with any law offices that spark your interest.

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15 Detroit Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated October 1, 2020

There are many law firms that practice Detroit bankruptcy law and it can be difficult to know which one you should choose to work with. Each bankruptcy law firm approaches the process of filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, and Chapter 11 bankruptcy in its own way. Some Michigan bankruptcy law offices only cater to one type of bankruptcy, while others take a comprehensive approach. Some offer flat fees, while others choose to bill less for straightforward cases. Because filing for bankruptcy under any Chapter of the Bankruptcy Code is a potentially life-altering process, it’s important to work with a bankruptcy lawyer whose approach fits your unique needs. As you think about the kinds of things you desire from your bankruptcy representation, consider reviewing the profiles of Detroit-area law firms listed below. Each provides an introduction to the bankruptcy attorney or attorneys who practice there and the legal services they provide. You can then connect with any law offices that spark your interest.

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15 Tallahassee Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

The benefits associated with filing for Tallahassee bankruptcy are significant. Individuals who file for Chapter 7 bankruptcy can have their eligible debts erased in as few as 90 days. Individuals who file for Chapter 13 bankruptcy can have their monthly debt payments lowered and their eligible debts erased after the terms of a Court-approved repayment plan have been met. Even businesses can have their debts addressed in profound ways as a result of Chapter 11 bankruptcy. Many Floridians interested filing for bankruptcy find that speaking with a bankruptcy lawyer helps them to clarify their debt relief options and allows them to form a plan of action. If you’re thinking about filing for bankruptcy, you may be wondering which bankruptcy attorney you should consult about your situation. Consider beginning your search for representation by reading through the law firm profiles listed below. Once you’ve been introduced to bankruptcy lawyers practicing in or around Tallahassee, you can contact those whose approach to representation interests you.

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15 Tallahassee Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

The benefits associated with filing for Tallahassee bankruptcy are significant. Individuals who file for Chapter 7 bankruptcy can have their eligible debts erased in as few as 90 days. Individuals who file for Chapter 13 bankruptcy can have their monthly debt payments lowered and their eligible debts erased after the terms of a Court-approved repayment plan have been met. Even businesses can have their debts addressed in profound ways as a result of Chapter 11 bankruptcy. Many Floridians interested filing for bankruptcy find that speaking with a bankruptcy lawyer helps them to clarify their debt relief options and allows them to form a plan of action. If you’re thinking about filing for bankruptcy, you may be wondering which bankruptcy attorney you should consult about your situation. Consider beginning your search for representation by reading through the law firm profiles listed below. Once you’ve been introduced to bankruptcy lawyers practicing in or around Tallahassee, you can contact those whose approach to representation interests you.

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15 Salt Lake City Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Unless you’re eligible to file for Chapter 7 bankruptcy and can therefore prepare and submit your case to the Court on your own, you’ll need to speak with a bankruptcy lawyer if you’re thinking about filing for Salt Lake City bankruptcy. Chapter 13 bankruptcy cases and Chapter 11 bankruptcy cases are too legally nuanced to be filed “pro se” and lead to a successful outcome.  Even if you are eligible to file for Chapter 7 bankruptcy, you may benefit from scheduling consultations with a few Salt Lake City bankruptcy attorneys to explore all of your debt relief options before committing to one in particular. How do you know which law firms to schedule consultations with? Consider reviewing the profiles of many Salt Lake City bankruptcy law offices listed below. Once you’re familiar with a firm’s legal services and its approach to bankruptcy, you can determine whether you’d like to connect with the firm’s legal team.

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15 Salt Lake City Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Unless you’re eligible to file for Chapter 7 bankruptcy and can therefore prepare and submit your case to the Court on your own, you’ll need to speak with a bankruptcy lawyer if you’re thinking about filing for Salt Lake City bankruptcy. Chapter 13 bankruptcy cases and Chapter 11 bankruptcy cases are too legally nuanced to be filed “pro se” and lead to a successful outcome.  Even if you are eligible to file for Chapter 7 bankruptcy, you may benefit from scheduling consultations with a few Salt Lake City bankruptcy attorneys to explore all of your debt relief options before committing to one in particular. How do you know which law firms to schedule consultations with? Consider reviewing the profiles of many Salt Lake City bankruptcy law offices listed below. Once you’re familiar with a firm’s legal services and its approach to bankruptcy, you can determine whether you’d like to connect with the firm’s legal team.

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15 Cincinnati Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Although it’s possible for Chapter 7 bankruptcy filers to prepare and submit Cincinnati bankruptcy cases without the assistance of a bankruptcy lawyer, it can be helpful to speak with a bankruptcy attorney before committing to this debt relief process. Many Cincinnati bankruptcy law firms offer free consultations. Speaking with an experienced professional can help you determine whether filing for Chapter 7 bankruptcy is the best course of action for your unique situation. Filers of Chapter 13 bankruptcy and Chapter 11 bankruptcy also need to schedule consultations with local law offices, as it isn’t recommended to file these more complex bankruptcy cases without legal guidance. Therefore, all Cincinnati bankruptcy filers may benefit from reading through the law firm profiles listed below. Each provides an introduction to law offices that provide consumer bankruptcy services (many provide business bankruptcy services as well). You can then ask for more information from any firms that interest you

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15 Cincinnati Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Although it’s possible for Chapter 7 bankruptcy filers to prepare and submit Cincinnati bankruptcy cases without the assistance of a bankruptcy lawyer, it can be helpful to speak with a bankruptcy attorney before committing to this debt relief process. Many Cincinnati bankruptcy law firms offer free consultations. Speaking with an experienced professional can help you determine whether filing for Chapter 7 bankruptcy is the best course of action for your unique situation. Filers of Chapter 13 bankruptcy and Chapter 11 bankruptcy also need to schedule consultations with local law offices, as it isn’t recommended to file these more complex bankruptcy cases without legal guidance. Therefore, all Cincinnati bankruptcy filers may benefit from reading through the law firm profiles listed below. Each provides an introduction to law offices that provide consumer bankruptcy services (many provide business bankruptcy services as well). You can then ask for more information from any firms that interest you

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15 Albuquerque Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Filing for Albuquerque bankruptcy can be an intimidating process. If you’re filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy, you’ll need to work with a bankruptcy lawyer to ensure that your case is properly prepared, submitted, and processed because these legal proceedings are complex. However, Chapter 7 bankruptcy filers can benefit from speaking with a bankruptcy attorney too, even if they plan to file on their own. Scheduling a consultation (especially a free consultation) with an Albuquerque bankruptcy law firm can help you ensure that you’re aware of all the debt relief options available to you before you commit to filing for Chapter 7 bankruptcy. If you’re unsure of how to find the New Mexico bankruptcy lawyer that best fits your needs, consider beginning your search by reading through the law firm profiles listed below. Each introduction will give you information about an Albuquerque law office that offers consumer bankruptcy services.

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15 Albuquerque Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Filing for Albuquerque bankruptcy can be an intimidating process. If you’re filing for Chapter 13 bankruptcy or Chapter 11 bankruptcy, you’ll need to work with a bankruptcy lawyer to ensure that your case is properly prepared, submitted, and processed because these legal proceedings are complex. However, Chapter 7 bankruptcy filers can benefit from speaking with a bankruptcy attorney too, even if they plan to file on their own. Scheduling a consultation (especially a free consultation) with an Albuquerque bankruptcy law firm can help you ensure that you’re aware of all the debt relief options available to you before you commit to filing for Chapter 7 bankruptcy. If you’re unsure of how to find the New Mexico bankruptcy lawyer that best fits your needs, consider beginning your search by reading through the law firm profiles listed below. Each introduction will give you information about an Albuquerque law office that offers consumer bankruptcy services.

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15 Des Moines Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

If you’re trying to decide whether or not to file for Des Moines bankruptcy, you may benefit from scheduling a consultation with an experienced Des Moines bankruptcy attorney. After a bankruptcy lawyer learns about the particulars of your situation, you can receive informed legal guidance about whether filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy may be a beneficial option given your unique circumstances. There are many law firms in the Des Moines area that offer professional guidance in regard to consumer bankruptcy cases. It can therefore be difficult to know which bankruptcy attorney you should choose to work with. If you schedule consultations with a few law offices that offer consumer bankruptcy services, you can choose to work with the one you ultimately feel most comfortable with and confident in. The profiles listed below will introduce you to many of the consumer bankruptcy law firms in the Des Moines area you may wish to schedule consultations with.

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15 Des Moines Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

If you’re trying to decide whether or not to file for Des Moines bankruptcy, you may benefit from scheduling a consultation with an experienced Des Moines bankruptcy attorney. After a bankruptcy lawyer learns about the particulars of your situation, you can receive informed legal guidance about whether filing for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or Chapter 11 bankruptcy may be a beneficial option given your unique circumstances. There are many law firms in the Des Moines area that offer professional guidance in regard to consumer bankruptcy cases. It can therefore be difficult to know which bankruptcy attorney you should choose to work with. If you schedule consultations with a few law offices that offer consumer bankruptcy services, you can choose to work with the one you ultimately feel most comfortable with and confident in. The profiles listed below will introduce you to many of the consumer bankruptcy law firms in the Des Moines area you may wish to schedule consultations with.

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15 Birmingham Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

While it’s certainly possible to file for Birmingham bankruptcy without the help of an attorney if you’re filing under Chapter 7 of the Bankruptcy Code, many Chapter 7 bankruptcy filers benefit from having consultations with a few bankruptcy lawyers before they begin the process of preparing their case. Consultations allow individuals to ask questions, explore alternative debt relief options, and ensure that bankruptcy is the best course of action under the circumstances. Please note that Upsolve doesn't operate in Alabama yet but look we forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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15 Birmingham Bankruptcy Attorneys & How to File for Free

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

While it’s certainly possible to file for Birmingham bankruptcy without the help of an attorney if you’re filing under Chapter 7 of the Bankruptcy Code, many Chapter 7 bankruptcy filers benefit from having consultations with a few bankruptcy lawyers before they begin the process of preparing their case. Consultations allow individuals to ask questions, explore alternative debt relief options, and ensure that bankruptcy is the best course of action under the circumstances. Please note that Upsolve doesn't operate in Alabama yet but look we forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Montgomery, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

Read More →

Filing Bankruptcy in Montgomery, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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How to Become Debt Free with A Debt Management Plan in Washington D.C.

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

If you are ready to get out of debt and rehabilitate your personal finances, you can start to work towards becoming debt-free with a debt management plan in Washington, D.C. The rest of this article gives you detailed steps you can take today to get started.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

You do not have to wait until you are behind on your bills or being sued to pursue a Florida debt management plan. You can start putting your own Florida DMP together today using the easy-to-follow steps noted below.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

An Ohio debt management plan can help you become debt free by helping you set financial goals and by making it easier to make monthly payments. If you’d like to learn more about how a DMP in Ohio works, keep reading to discover the steps and the commitments you’ll need to make to make a DMP effective. 

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

If you want to find a way out of debt, your first step should be educating yourself about all of the debt management options available to you. Read on to learn about working with an agency to bundle your debts into a single account, paid every month (often with better terms) negotiated between a nonprofit credit counseling agency and your creditors.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Getting out of debt isn’t easy, but the right information can help you make good choices along the way: Washington DMP provides an opportunity to repay your debts in a streamlined fashion. Read on to learn how working with a credit counseling agency to develop a realistic, consolidated repayment plan with your creditors can put you on the path to financial freedom. 

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Filing Bankruptcy in New York, New York

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in New York, New York

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Ocala, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Ocala, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Akron, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Akron, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Tulsa, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Tulsa, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Flint, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Flint, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Las Vegas, Nevada

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Las Vegas, Nevada

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Atlanta, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Atlanta, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Dayton, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Dayton, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Tampa, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Tampa, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Orlando, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Orlando, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Cleveland, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Cleveland, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in San Antonio, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in San Antonio, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Toledo, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Toledo, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Dallas, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Dallas, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Honolulu, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Honolulu, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Houston, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Houston, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Miami, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Miami, Florida

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Lansing, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Lansing, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Huntsville, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Huntsville, Alabama

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in Alabama yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in St. George, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in St. George, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Austin, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Austin, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Ogden, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Ogden, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Savannah, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Savannah, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Newark, New Jersey

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Newark, New Jersey

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in El Paso, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in El Paso, Texas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Greensboro, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Greensboro, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Macon, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Macon, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Davenport, Iowa

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Davenport, Iowa

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Columbus, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Columbus, Georgia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Waimea, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Waimea, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Lawton, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Lawton, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 30, 2020

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Filing Bankruptcy in Fayetteville, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Fayetteville, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Camden, New Jersey

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Camden, New Jersey

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Junction, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Junction, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Cincinnati, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Cincinnati, Ohio

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Iowa City, Iowa

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Iowa City, Iowa

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Bangor, Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Bangor, Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Hilo, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Hilo, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Muskogee, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Muskogee, Oklahoma

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Durham, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Durham, North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

Please note that we don't operate in North Carolina yet but look forward to expanding into your state. You're welcome to keep reading - our content is free for anyone looking to learn more about bankruptcy & filing without a lawyer.

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Filing Bankruptcy in Dearborn, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Dearborn, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Medford, Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Medford, Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Detroit, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Detroit, Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Moab, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Moab, Utah

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Lihue, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Lihue, Hawaii

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Brownville, Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Brownville, Maine

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Bend, Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Bend, Oregon

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Memphis, Tennessee

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Memphis, Tennessee

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Madison, Wisconsin

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Madison, Wisconsin

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Paron, Arkansas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Filing Bankruptcy in Paron, Arkansas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 29, 2020

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Editorial Policy

Written by the Upsolve Team
Updated September 25, 2020

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Filing Bankruptcy in Lincoln, Nebraska

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated September 15, 2020

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How to Get Free Credit Counseling in Indiana

Written by the Upsolve Team
Updated September 8, 2020

With these five steps, you can get the debt relief you need by getting free credit counseling in Indiana. 

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated April 30, 2020

Getting out of debt isn’t easy, but the right information can help you make good choices along the way. Read on to learn about how a credit counseling agency can help you create a realistic repayment plan and put you on the road to being debt-free once again.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated April 27, 2020

An Oregon DMP will allow you to combine your debt into one simple, manageable account, paid monthly to a counseling agency until you are debt-free. The process below explains the key steps of evaluating your finances, creating a realistic repayment plan, and putting that plan in action to set your finances straight. 

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How to Settle Your Debts in the District of Columbia

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated March 18, 2020

To determine whether a debt settlement is right for you, you have to collect information about your income and expenses to better determine whether you can afford the debt settlement process. Then you have to decide who will negotiate the settlement of your debts.  

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

It takes a few steps to make a New Jersey debt management plan a success. This guide will go over what it takes to navigate this process, from your initial research to your final payment. 

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

You can’t jump right into a debt management plan by simply “signing up.” It takes planning and a few steps to get a successful Kansas DMP off the ground: Keep reading to find out how to get started.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

Getting started with your own Delaware debt management plan is relatively easy. This process usually begins with a free, no-risk credit counseling session.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

Now that you are aware of what an Arizona DMP is and how it works, it’s time to learn how to get started. To better determine whether entering into a DMP is the best option for your situation, you’ll need to meet with a reputable credit counseling agency.

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

A Wisconsin debt management plan should be crafted only after you and your credit counselor have completed a thoughtful review of your personal finances. Keep reading to learn how you can complete this review, consider all debt relief options available to you, and pursue a DMP if this option is the right one for you and your family.  

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How to Settle Your Debts in Wyoming

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 25, 2020

If the process of debt settlement may be a good fit for your situation, it’s important to learn how to get started with this process. Once you’ve weighed your options carefully, you’ll be able to make an informed decision regarding whether it is wise to settle your debts (and if so, which debts you should try to settle).

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

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 20, 2020

A Vermont DMP isn’t a lightning quick way to pay down debt, it’s a slow and steady process like getting maple syrup from the farm to the table. If you’re interested in learning more about whether pursuing a DMP is right for you, this guide will give you a strong sense of the Vermont debt management program process.

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How to Settle Your Debts in Ohio

Written by Attorney Jenni Klock Morel
Updated February 19, 2020

Our goal is to make sure you have a clear idea of what debt relief options are available. This guide on debt settlement in Ohio will give you the tools you need to explore if debt settlement is right for you, and if so, the next steps to move forward. 

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How to Become Debt Free with A Debt Management Plan in North Carolina

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 19, 2020

A North Carolina debt management plan can help you to work toward a debt free future. Before you can benefit from a DMP, you’ll have to find a credit counseling agency, determine a budget, and make regular payments to get the DMP off the ground.

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How to Become Debt Free with a Debt Management Plan in Connecticut

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 19, 2020

The following is a summary of how to get started with your own Connecticut debt management plan. You’ll start by selecting a reputable credit counseling agency to work with and reviewing your options.

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How to Consolidate Your Debts in Kansas

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 19, 2020

Now it’s time for you to determine whether debt consolidation could potentially help you resolve your debt. If this option doesn’t end up being the solution you’re looking for, you can explore alternative money management and debt relief options that may be more appropriate for your circumstances.

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How to Consolidate Your Debts in Missouri

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 17, 2020

Consolidating your debts in Missouri is a relatively easy process. Whether you choose a new loan or you choose to enter into a customized debt management plan, you can pursue Missouri debt consolidation by following the steps provided below.

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How to Consolidate Your Debts in Michigan

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 17, 2020

You can get started on consolidating your debt today. Using the following information, you can gather necessary documents, determine which approach to debt consolidation may be best for you, and choose a debt consolidation lender or credit counseling agency to manage your DMP with ease.

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How to Consolidate Your Debts in Maryland

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 17, 2020

If you are interested in Maryland debt consolidation, the rest of this article will walk you through the process of getting started. You will learn about alternatives to debt consolidation and how to determine what debt management solution or solutions may be right for your situation. 

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How to Consolidate Your Debts in Nebraska

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 11, 2020

This guide provides a general overview of how to consolidate your debts in Nebraska. In addition to providing step-by-step instructions regarding how to get started, we have also included some best practices, tips and things to watch out for along the way.

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How to Consolidate Your Debts in Massachusetts

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 11, 2020

If you are ready to pursue Massachusetts debt consolidation, please review this step by step guide to consolidating your debts. You’ll start by collecting the details on your debt, explore why it’s important not to rely on an irregular income when determining whether you can manage a debt consolidation payment, prepare a budget and locate a lender or agency to manage your debt consolidation process. 

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How to Consolidate Your Debts in Kentucky

Written by the Upsolve TeamLegally reviewed by Attorney Andrea Wimmer
Updated February 11, 2020

The next few sections are designed to walk you through the debt consolidation process so that you can determine whether this debt relief solution is an option for you. If you determine that debt consolidation is not a fit for your financial situation, the remainder of the guide also provides a brief overview of alternative debt relief options.

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How to Settle Your Debts in Arkansas

Written by the Upsolve Team
Updated January 28, 2020

The rest of this article will explain what you need to know to successfully navigate the debt settlement process and how to choose a reputable debt settlement company. It will also briefly discuss other debt management options available that may help you to improve your financial situation.

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How to Settle Your Debts in Alabama

Written by the Upsolve Team
Updated January 28, 2020

The following sections will provide information related to constructing a budget, which is the first step in determining if a debt settlement is a viable option for your situation. These sections will also help you better understand how the debt settlement process unfolds, whether you hire a debt settlement company or negotiate this process yourself.

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How to Consolidate Your Debts in North Carolina

Written by the Upsolve Team
Updated January 28, 2020

If you’re interested in learning more about the North Carolina debt consolidation process, read on. The sections that follow will detail the documents you’ll need, the information you should pull out of those documentsm and what to do when you are ready to apply for a debt consolidation loan.

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How to Consolidate Your Debts in New Hampshire

Written by the Upsolve Team
Updated January 28, 2020

Your credit counselor will answer any questions you may have regarding debt consolidation in New Hampshire. In the meantime, this guide will walk you through the debt consolidation process so that you can better determine whether it may be a good option for you.

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How to Consolidate Your Debts in Montana

Written by the Upsolve Team
Updated January 28, 2020

The rest of this article will lead you step-by-step through the process of pursuing debt consolidation in Montana. Each section will explain a little about the process and how it relates to constructing a customized debt consolidation that can potentially place you on a path to becoming debt-free.

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

Written by the Upsolve Team
Updated January 3, 2020

The options for getting out of debt can be confusing. Getting information can help you make the best choice and start taking control of your finances. A Pennsylvania DMP is a good option to consolidate and then pay off – not just manage – your debts. We’ll show you how the process works and why working with a credit counseling agency to go over your finances, create a manageable monthly payment plan with your creditors, and start regaining your financial freedom. 

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

Written by the Upsolve Team
Updated January 3, 2020

If you’re interested in an Indiana Debt Management plan, you’ll have to take a few steps to get started. Read the following overview before you start so you can be prepared and successful.

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

Written by the Upsolve Team
Updated January 3, 2020

If you think you would be a good candidate for a Colorado debt management plan, here’s a quick rundown of how to get started and what to look out for as you go through the process.

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

Written by the Upsolve Team
Updated January 3, 2020

When followed faithfully and administered by a reputable non-profit credit counseling agency, an Arkansas debt management plan is a proven method of getting out of debt over time. All of your creditors get paid everything they are owed. Meaning the negative impact to your FICO credit score after successfully completing an Arkansas debt management plan is often less than what it would have been had you done nothing. Below we will look at the steps you can take to put together your own Arkansas DMP.

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

Written by the Upsolve Team
Updated January 3, 2020

If you are ready to become debt-free and think an Alaska debt management plan is a good fit for you, we can show you how to get started. The following is a step-by-step guide to starting your own Alaska debt management plan.

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

Written by the Upsolve Team
Updated January 2, 2020

Getting started with your own Alabama debt management plan is easy and takes less time than many other forms of debt consolidation. We will look at each step you can take on your way to becoming debt-free with a debt management plan in Alabama.

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How to Settle Your Debts in Hawaii

Written by the Upsolve Team
Updated January 2, 2020

Are you interested in learning more about how to settle your debts in Hawaii? Follow the steps below to get started, and you’ll be able to ride the wave through the debt settlement process.

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How to Consolidate Your Debts in Washington

Written by the Upsolve Team
Updated January 2, 2020

Continue reading to learn more about debt consolidation plans and debt relief.

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How to Consolidate Your Debts in Vermont

Written by the Upsolve Team
Updated January 2, 2020

Now that you have a general understanding of what debt consolidation is, let’s delve into the details so that you can determine if debt consolidation is right for you. If not, we’ll also discuss other options to help you address any financial challenges.

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How to Consolidate Your Debts in Tennessee

Written by the Upsolve Team
Updated December 17, 2019

Debt consolidation requires some work before you begin. You’ll need to take a look at your overall financial situation using the steps outlined below. 

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How to Consolidate Your Debts in Louisiana

Written by the Upsolve Team
Updated December 16, 2019

The next few sections will walk you through the process of determining whether debt consolidation is a good fit for you. Not to worry, if you finish the exercise and decide that debt consolidation isn’t a good fit for you, the remaining sections discuss other debt relief options. 

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How to Get Free Credit Counseling in West Virginia

Written by the Upsolve Team
Updated December 11, 2019

Finding free non-profit credit counseling in West Virginia is as easy as five simple steps: 1. find a non-profit West Virginia credit counseling agency you can trust; 2. do some research on the West Virginia credit counseling organization you are considering; 3. prepare some questions for your first meeting; 4. know what to expect at your first meeting; and 5. know what happens next.

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How to Get Free Credit Counseling in New Mexico

Written by the Upsolve Team
Updated December 10, 2019

Getting free credit counseling in New Mexico is simple. Just follow these five steps.

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How to Get Free Credit Counseling in New Jersey

Written by the Upsolve Team
Updated December 4, 2019

Here is how you can get debt relief by getting free credit counseling in New Jersey. 

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How to Get Free Credit Counseling in New Hampshire

Written by the Upsolve Team
Updated December 4, 2019

Getting free credit counseling in New Hampshire is very simple; you have to follow these five simple steps and get the debt relief you need.

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How to Get Free Credit Counseling in Montana

Written by the Upsolve Team
Updated December 4, 2019

Are you looking to get free credit counseling in Montana? Follow these five steps to get your financial situation under control with a credit counseling program.

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How to Get Free Credit Counseling in Michigan

Written by the Upsolve Team
Updated December 4, 2019

Getting free credit counseling in Michigan is easy; all you have to do is follow these simple steps.

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How to Get Free Credit Counseling In Maine

Written by the Upsolve Team
Updated December 4, 2019

Follow these five steps to get the debt relief you need by getting free credit counseling in Maine.

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How to Get Free Credit Counseling in North Dakota

Written by the Upsolve Team
Updated November 30, 2019

Follow these five simple steps to get the debt relief you need by taking advantage of free credit counseling in North Dakota.

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How to Get Free Credit Counseling In Nevada

Written by the Upsolve Team
Updated November 30, 2019

Getting free credit counseling in Nevada is not that difficult. All you have to do is follow these 5 simple steps. 

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How to Get Free Credit Counseling in Nebraska

Written by the Upsolve Team
Updated November 30, 2019

Follow the five steps outlined below to find a credit counseling agency that you’re comfortable with, and you’ll be on your way to debt relief in no time.

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How to Get Free Credit Counseling in Minnesota

Written by the Upsolve Team
Updated November 30, 2019

Follow these five simple steps to get the debt relief you need by getting free credit counseling in Minnesota. 

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How to Get Free Credit Counseling in Massachusetts

Written by the Upsolve Team
Updated November 30, 2019

Here is how you can get debt relief by getting free credit counseling in Massachusetts. 

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How to get Free Credit Counseling in Maryland?

Written by the Upsolve Team
Updated November 30, 2019

If you have several credit card balances that you have to repay and you are not certain about which debt relief option you should use, Maryland credit counseling is for you.

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How to Get Free Credit Counseling in Kansas

Written by the Upsolve Team
Updated November 30, 2019

Credit counseling services involve a one-on-one consultation with a competent Kansas credit counselor who understands and explains the complexities involved in your credit score. You can get out of debt by using free credit counseling in Kansas. All you have to do is follow these five steps to get the debt relief you need. 

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How to get Free Credit Counseling in Iowa

Written by the Upsolve Team
Updated November 27, 2019

Are you looking to get free credit counseling in Iowa? Follow these five steps to get the debt relief you need. 

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Y-Combinator

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can't access their basic rights when they can't afford to pay for help. Combining direct services and advocacy, we're fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.