Your Upsolve Team
Articles written by Your Upsolve Team
What Is a Debt Verification Letter? (+ Template Link)
Written by Your Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated September 14, 2023
A debt verification letter is correspondence you can send to a debt collector to get more information about a debt or to start the dispute process. If you’re contacted by a debt collector and something doesn’t seem right about the collection agency or the debt itself, you can use a debt verification letter to learn more about the agency and the debt. This can help you dispute debts you don’t actually owe or identify potential debt collection scams.
Read More →I Am Being Sued for a Credit Card Debt. Now What?
Written by Your Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 18, 2023
If you don’t make your credit card payments, the credit card company or collection agency will try to collect on the debt, but they can also bring a credit card lawsuit. If you get sued for credit card debt, it’s important to answer (reply to) the lawsuit. You should also ask the collection agency to verify the debt to ensure that you actually owe it and that they have the correct details about the debt amount. When you file your answer, you’ll include your defenses about why the debt collector shouldn’t win the case.
Read More →What Happens if You Don’t Pay a Collection Agency?
Written by Your Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated August 17, 2023
If you don't pay a debt collector or collection agency, you’ll likely face increasing efforts to collect the debt via phone calls, letters, or even social media contact. Not paying a debt in collections will also hurt your credit score. If you don’t pay, the collection agency can sue you to try to collect the debt. If successful, the court may grant them the authority to garnish your wages or bank account or place a lien on your property. You can defend yourself in a debt collection lawsuit or file bankruptcy to stop collection actions.
Read More →Can Attorney Fees Be Included in Bankruptcy?
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 27, 2023
If you owe attorney fees when you go to file your bankruptcy case, most will be treated as unsecured debt and discharged as part of your bankruptcy case. There are some exceptions to this, especially for attorney fees related to family court matters. Keep reading to learn more about how attorney fees are treated in bankruptcy.
Read More →Converting a Chapter 13 to a Chapter 7 Bankruptcy
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated July 20, 2023
Life happens to everyone, including those in a Chapter 13 repayment plan. Thankfully, the Bankruptcy Code provides a mechanism for changing (converting) your case from Chapter 13 to Chapter 7 bankruptcy if needed. Let’s take a look at what that entails exactly and what you should know about this affects your property and your debts.
Read More →How bankruptcy impacts your second COVID relief payment
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated June 8, 2022
On December 27, 2020, President Trump signed the Consolidated Appropriations Act of 2021. The act includes a second COVID-19 relief payment to eligible individuals.
Read More →Rent to Own Contracts under CBRA
Written by Your Upsolve Team.
Updated May 11, 2022
The Consumer Bankruptcy Reform Act of 2020 creates a consumer-focused alternative to Section 365 that lays out how a bankruptcy filing impacts a rent-to-own contract.
Read More →Does The Government Pay for Bankruptcies?
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 30, 2022
People filing for bankruptcy are struggling to pay their debts. Find out what type of costs to expect for Chapter 7 bankruptcy and who pays for it if you can’t.
Read More →What Does It Mean That a Bankruptcy Is Public Record?
Written by Lawyer John Coble, Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated March 21, 2022
Bankruptcy cases are processed through the U.S. Bankruptcy Court, which is part of the federal court system. Like all other court documents, your bankruptcy petition becomes a public record. This means any member of the public can access the information on your bankruptcy forms either through PACER or by going to the courthouse.
Read More →Will Bankruptcy Affect My Citizenship Application?
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 24, 2022
Whether you’re a U.S. citizen or not, you’re allowed to file bankruptcy if you reside in the U.S. Bankruptcy law doesn’t require filers to be U.S. citizens. If you aren’t a citizen, you may worry that filing bankruptcy can lead to deportation or having your immigration application denied. Luckily, that’s not the case. Neither the U.S. Citizenship and Immigration Services (USCIS) nor the Department of Homeland Security (DHS) consider bankruptcy cases when reviewing residency applications.
Read More →📢 Bankruptcy Court Filing Fees Increase on 12/1/2020 📢
Written by Your Upsolve Team.
Updated November 15, 2021
As of December 1, 2020, the United States Bankruptcy Courts are increasing certain court filing fees.
Read More →U.S. Trustee Program Position on Stimulus Checks
Written by Your Upsolve Team.
Updated September 8, 2021
On March 25, 2021, the United States Trustee Program issued a notice to Chapter 7 and Chapter 13 trustees regarding the treatment of stimulus checks in a bankruptcy proceeding.
Read More →Upsolve CEO & Co-Founder Rohan Pavuluri Named TIME100 Next list
Written by Your Upsolve Team.
Updated February 26, 2021
Upsolve CEO & Co-Founder recognized by TIME as one of 100 emerging leaders who are shaping the future.
Read More →Common Docket Entries & What They Mean
Written by Your Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated February 10, 2021
The docket is a case record prepared and maintained by the clerk of the court. Learn what common docket entries mean for your case.
Read More →Bankruptcy As Pandemic Relief?
Written by Your Upsolve Team.
Updated February 4, 2021
According to a February 2, 2021 press release from Senator Sheldon Whitehouse's office, the Senator and four of his colleagues are introducing legislation aimed to provide bankruptcy relief to medically distressed debtors.
Read More →CBRA and the Automatic Stay
Written by Your Upsolve Team.
Updated January 21, 2021
The Consumer Bankruptcy Reform Act of 2020 provides for a co-debtor stay in all consumer bankruptcy cases.
Read More →How Upsolve Works
Written by Your Upsolve Team.
Updated September 19, 2023
Upsolve is a nonprofit that helps you file bankruptcy on your own, using a free online tool to generate your bankruptcy forms and clear your debt. Think TurboTax for bankruptcy.
Here's how it works!
A Year of COVID-19: Job Loss, Student Loans, & Medical Debt and their Effect on Low-Income Families Considering Bankruptcy
Written by Your Upsolve Team.
Updated May 15, 2023
Since March 2020, Upsolve has surveyed more than 18,900 individuals considering bankruptcy. By analyzing our users' employment information, medical debt, and student loan balances, we can learn more about the overwhelming constraints low-income families face on a monthly basis. Here's what we've learned.
A Look at COVID-19, Black Financial Peril, and Bankruptcy during Black History Month
Written by Your Upsolve Team.
Updated February 25, 2021
Upsolve surveyed over 17,000 low-income users over the past year. Here is what we have learned about the pandemic’s impact on their finances.
