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Leshel B.

Finished April, 3 2019

How did you fall into debt?

I started when I first went to college out of high school and I wasn't prepared for what credit was and how to maintain it. Over time, I got car loans and was able to handle but certain circumstances kept me from being able to pay and there were some repossessions. My debt increased and finally I just wasn't able to make a dent in eliminating any of it.

What advice do you have for people considering bankruptcy?

Check all your options prior. But, when you have made the decision to, you have to look at it as your credit isn't changing with the current status of your credit but with bankruptcy, there's a sense of a fresh start. I ended up filing because I was given a summons to pay for an old car loan and there was no way I could afford to pay that and my current bills. I had to do something to stop this and already had planned to file some years prior. Just could never afford to.

What did you like most about using Upsolve?

There was no judgement and I was provided with so much assistance. Any questions, someone was there to answer. I love that they pretty much did the grueling part of preparing the documents.

How has bankruptcy changed your life?

It has changed tremendously. I've been able to rebuild my credit and have since obtained a higher score.

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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.