Everyone Deserves a Second Chance

Click a photo to learn about life before and after using Upsolve.

Robert M.

Finished April, 12 2019

How did you fall into debt?

I was unable to work for about six months after I hurt my back at work. The company I was working for denied all medical claims and this forced me to have to pay for all X-rays, MRIs, and procedures out of pocket since they did not offer any medical insurance either. The bills just kept mounting with late fees and interest charges. I spent about four years trying to play catch up and realized that I was too deep in the hole and never would.

What advice do you have for people considering bankruptcy?

I decided to file when I finally realized that I would never be able to dig myself out of the hole that I was in. Aside from the social stigma that is typically attached to bankruptcy, I didn't really have any fears about filing bankruptcy. My advice to someone thinking about bankruptcy would be to seriously evaluate the situation to make sure that this is truly your only option. Be honest on your schedules and make sure you include all of your debts to ensure a true "second chance".

What did you like most about using Upsolve?

Upsolve was very easy to navigate. I loved that I could log in and out to continue the lengthy process of filling out all of the required paperwork. I only had to make some minor adjustments to my paperwork prior to filing. Upsolve really streamlined and simplified this process which I thought was going to take weeks! I actually finished in about two days.

How has bankruptcy changed your life?

Bankruptcy has alleviated all of the extra stress that I was under while I was so deep in debt. It has allowed me to rebuild and re-establish myself.


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

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

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