What are the alternatives to Chapter 7 bankruptcy?

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3,004 families filed bankruptcy using Upsolve.

Written by Kristin Turner.  
Updated May 16, 2019

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If you decide that Chapter 7 bankruptcy isn’t right for you, you have several alternatives.

  1. Pay back the people you owe. If you think you’ll be able to pay back the people you owe, you should try, especially if you have less than $10,000 in debt.

  2. Negotiate with the people you owe. If you decide that you’re going to try to pay back the people you owe, you should try to talk to them and get them to let you pay less money than you’re supposed to pay. Often times, the people you owe will let you do this because they would rather have some money than no money at all. If you don’t want to negotiate on your own, use a nonprofit. GreenPath is a nonprofit that helps people struggling with their debt pay back the money they owe within a 5 year period. GreenPath will contact your creditors and negotiate with them to lower your debt payments on your behalf.

  3. Write a letter to the people who are calling you and asking you for money. Tell them that you don’t have any property they can take away. There are laws to protect you from getting harassed by people who are asking you for money. To find out how to get bill collectors to stop calling you, you should read our advice here.

  4. Do nothing. If debt collectors calling you isn’t a problem and you don’t have any expensive property that creditors can take away, doing nothing may be the best thing to do. We know it may be stressful to have debt weighing over your head, but there is nothing that the people who are asking you for money can actually do to you.

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Fast Forward

Upsolve is a 501(c)(3) legal aid nonprofit that started in 2016. Our mission is to help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost. We do this by combining the power of technology with attorneys. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have mission-driven funders that include the U.S. government, former Google CEO Eric Schmidt, and private charities.

To learn more, read our reviews from past clients, or read our press coverage.

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