2020 Best Invention

"Is Upsolve Legit" Discussion

Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool


Compiled by Upsolve Team

Live Community Q&A

763 Members Online · 5,543+ Posts

Professional Q&As for "Is Upsolve Legit"

Upsolve Community Member
2021-12-08

I was discharged in July of 2020 after filing Chapter 7 using the Upsolve platform and Learning Center. I am an educator and have been researching the student loan debt crisis for the last year. If you have questions about navigating student loan repayment plans and current legislation on relief options, I will be able to help you find your answers. :-)

25 Reactions

Community Replies:

Upsolve Community Member
Mark is incredible and has a lot of knowledge and experience to share! Ask away!! 

Upsolve Community Member
Thank you for being here to help folks, Mark. So many people will benefit from your help. 

Upsolve Community Member
I appreciate the kind words, Rohan and Claire. Note: Like Upsolve, my role is for education purposes only and not intended to be professional advice. 

Upsolve Community Member
Thanks for sharing, Mark!! 

Upsolve Community Member
Student loan debt is so complicated, your help is certainly needed and appreciated! I'm excited about the New York legislation that will help release transcripts to people with student debt. https://upsolve.org/learn/getting-school-transcripts/ is a struggle when you owe student debt! 

Upsolve Community Member
The DOE is meeting this week and I've been able to sit in on some industry sessions. This is why you might have heard Schumer, Warren, and the usual folks repeat their call for $50K forgiveness. I have my opinions, thoughts, and intel but I'll save it since crystal balls can be worthless. HOWEVER, there are some measures being talked about that would benefit lower income undegrads so that's a plus! Stay tuned! :-) 

Upsolve Community Member
2021-12-13

Observation during my current student loan research: You will find that many media articles on this subject are dated "swipes" from other media typically reporting the Adversary Proceeding is very difficult because it is up to the borrower to prove "undue hardship". That is NOT what I am seeing out there. The pendulum is swinging in our favor regardless of what happens in Congress. As more info about the student loan debt crisis becomes mainstream, judges are listening and learning too. As we wait for Congress to legislate ANYTHING meaningful to address borrowers in dire financial straits, is IMPORTANT you know about the Adversary Proceeding as a collaborative step (separate filing). Read the Upsolve articles found in the Learning Center and referenced here in this community and stay close as more info becomes available.

13 Reactions

Community Replies:

Upsolve Community Member
And what no one ever seems to mention is just how many of these student loan adversaries actually settle in the debtors' favor! 

Upsolve Community Member
I've gotta be careful here because I don't have the source at hand right this minute, but over HALF in a recent time period!

Upsolve Community Member
2022-01-05

I received my chapter 7 court discharge letter in the mail. Thanks to Upsolve Team for making this possible, its a new beginning for me. Thank you once again guys.

45 Reactions

Community Replies:

Upsolve Community Member
Hi. Did you do it all yourself or hired a lawyer. Thinking about filing chapter 7 and not sure if I should hire a lawyer or do it myself 

Upsolve Community Member
Congratulations Olakunle! The new year is off to a good start! Thanks for sharing your experience with Upsolve. 

Upsolve Community Member
Hi Taneshia, Yes I filed through Upsolve with $300 court fee. Good luck!

Upsolve Community Member
YESSSSSSS!!!!!  Congratulations Olakunie! Fresh Start in 2022!!! wooohooo! :-)

Upsolve Community Member
Congratulations! Happy 2022!! 

Upsolve Community Member
Conrgrats Olakune! Can you please share with us how long the process took? Also, by not hiring an attorney and going this way, during the whole process, does that stop the creditors from calling or filing judgements?

Upsolve Community Member
Congratulations on your discharge!! Woo hoo! After a hard-earned celebratory breather, you might want to do a quick read of Upsolve's tips in the article https://upsolve.org/learn/chapter-7-discharged/ to start reading up on how to rebuild your credit after bankruptcy. Congrats!! We're so happy for you!!

Upsolve Community Member
May 13, 2021 - completed my Chapter 7 Questionnaire with Upsolve June 26, 2021 - Uploaded all required documents ( Bank statements, ID copies) etc. July 14, 2021 - Filed with court in person, Filing fee $338July 2021 - completed my online Financial Management course Aug 27, 2021 - Teleconference meeting with creditors / Trustees Sept 24, 2021 - rescheduled meeting with Creditors / Trustees Oct 29, 2021 - rescheduled meeting with creditors / Trustees Oct 29, 2021 - Report of No Distribution filed by Trustee Nov 29. 2021 - Order discharging debtor signed Nov 29, 2021 - Final decree signed Dec 1, 2021 - Notice date

Upsolve Community Member
Hi Saed H, It's up to you if you wanna use a lawyer or not but in my experience during my research I figured out that using a lawyer will not make any difference except paying thousands of dollars that I can't afford. Remember you're trying to get rid of debts so you don't wanna end up paying someone money you can't afford. Your creditors will stop calling you as soon as your file with the court. Good luck! 

Upsolve Community Member
How many months of bank statements do you have to provide

Upsolve Community Member
Hi Sereathia D it depends on individual circumstances, in my case my trustees requested for 3 months which must cover the last transaction date on my bank statement...I already got a Charge-Off on my accounts since April 2020 so I visited one of the branches to request for Feb - March - April statements which arrived in the mail about 10 business working days later. 

Upsolve Community Member
2021-12-08

Feeling anxious about filing bankruptcy

36 Reactions

Community Replies:

Upsolve Community Member
Deep breath and don't hesitate to share your questions with this community as you go through the process. 

Upsolve Community Member
Thank you 

Upsolve Community Member
Barbara, I'm thinking of asking Upsolve to open a "Deep Breathing" Room because there are many fellow Upsolvers who have been financially stressed out for quite some time now. Ugh! But relief is on the way. Start envisioning your life a few months from now without that giant weight on your back. It's a good feeling, this FRESH START! Until then, as Andrea says, deep breaths -- 3 of them!                            Good luck! :-)

Upsolve Community Member
It's so normal to feel anxious, coming here and sharing this is a big first step. Keep us posted on how you're feeling and don't hesitate to post any questions/comments that come up along the way! 

Upsolve Community Member
I like the deep breathing room idea! 

Upsolve Community Member
https://upsolve.org/learn/the-automatic-stay/ will keep bill collectors from calling and will stop collection activity so that should help provide some stress relief! 

Upsolve Community Member
Thank you all for the encouragement. I’m going to work on completing my bankruptcy package this weekend so I can get it mailed out on Monday. I think a deep breathing room is a wonderful idea. I’m looking forward to relieving the stress & anxiety I feel with my debt issues. 

Upsolve Community Member
I’m stuck, someone help! Please

Upsolve Community Member
Is there anyone online that can answer my questions?

Upsolve Community Member
2022-01-25

I filed my paperwork today at the court house. I had worked my anxiety through the roof. I was so nervous doing this myself. The clerk was soo nice and helpful. He made sure I had everything in order. I had WAY more paperwork than I needed.. but that’s ok. lol... I could not have done this without Upsolve and the team helping me along the way. Ready to take my next class and prepare for my 341 meeting. Thank you Upsolve!!

32 Reactions

Community Replies:

Upsolve Community Member
Congratulations!!! 

Upsolve Community Member
Ditto! Congrats Faith! I was nervous too! Human nature. Thanks to Upsolve's Learning Center, I was able to file and am enjoying my FRESH START! I can see the light at the end of your tunnel too! :-)

Upsolve Community Member
Faith, that's wonderful! I'm so happy for you! Everything else will seem easy after filing all that paperwork! Congratulations and thank you for sharing your experience! 

Upsolve Community Member
Definately use the clerks as the office, they are so much help.

Upsolve Community Member
congrats ! 👏 

Upsolve Community Member
Congrats 🎈 


It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:

Free Web App

Take our screener to see if Upsolve is right for you.

Take Screener
9,136 families have filed with Upsolve! ☆
or

Private Attorney

Get a free bankruptcy evaluation from an independent law firm.

Find Attorney

Learning Center

Research and understand your options with our articles and guides.

Go to Learning Center →

Already an Upsolve user?

Read Support Articles →

News

    + Show Articles

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

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