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Best Do It Yourself Chapter 7 Bankruptcy Software

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In a Nutshell

Bankruptcy doesn't have to be expensive or confusing. You can use do-it-yourself Chapter 7 bankruptcy software online. Check out Upsolve to get started with our free bankruptcy process.

Written by Kristin Turner, Harvard Law Grad
Updated November 10, 2020

This article explains how to pick the best Chapter 7 bankruptcy software for your unique situation. There are many different consumer bankruptcy software options out there. This article explains your options to help you out in your own DIY bankruptcy.

How to Pick a Do It Yourself Chapter 7 Bankruptcy Software

There are many different kinds of consumer bankruptcy software out there. If you are looking for a DIY bankruptcy, this article will help you choose which tools to use.

There are a lot of good reasons to use consumer bankruptcy software for your DIY bankruptcy.

For example, bankruptcy can be expensive, so using consumer bankruptcy software might be a cheaper option for you.

Another reason is that bankruptcy can be confusing. A do it yourself Chapter 7 bankruptcy software can help you have a DIY bankruptcy without getting lost in a pile of paperwork.

Many people are able to have a DIY bankruptcy without the need for an expensive lawyer. Luckily, there are many available do it yourself Chapter 7 bankruptcy software on the market that you can use in your own DIY bankruptcy.

But what is the best do it yourself Chapter 7 bankruptcy software?

Free DIY Chapter 7 forms from the U.S. Bankruptcy Court

The first place you might look for a do it yourself Chapter 7 bankruptcy software is the U.S. Bankruptcy court. While not a consumer bankruptcy software, you can download bankruptcy forms from the court if you want a truly DIY bankruptcy.

Unlike most other consumer bankruptcy software, all the forms you can download from the court are free. However, you will still need to print the forms to file your DIY bankruptcy. Fortunately, your local library likely has free or low-cost printing services.

The downside to using the U.S. Bankruptcy Court site for your DIY Chapter 7 bankruptcy is that you have to figure out which forms you need. While the U.S. Bankruptcy Court has an instruction booklet you can use, unlike other do it yourself Chapter 7 bankruptcy software options, the Court does not directly guide you through the process.

The exception to that general rule is the Electronic Self-Representation (eSR) tool being offered to pro se filers by a select few courts. For more, check out this article in Upsolve's Learning Center.

Using the U.S. Bankruptcy Court site might be right for you if you want to avoid paid consumer bankruptcy software. You might also want to check your state bankruptcy courts for other free forms while going through your DIY bankruptcy.

There are various websites that sell consumer bankruptcy software. Generally, they all provide the forms you need to fill out your DIY bankruptcy. Some even let you electronically file them.

If you are looking for a do it yourself Chapter 7 bankruptcy software, there are a few things you want to keep in mind. Each consumer bankruptcy software costs a different amount and might provide different forms.

Remember that this is your DIY bankruptcy, so choose the software that is best for you.

One thing to consider when choosing your software is whether or not it allows you to electronically file your forms. Some DIY consumer bankruptcy software allows you to file online while others require you to print forms.

What is the best do it yourself Chapter 7 bankruptcy software for your needs?

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Ezbankruptcyforms.com offers DIY Chapter 7 and Chapter 13 consumer bankruptcy software. The basic Chapter 7 software costs $44 and is estimated to take you around 8 hours to complete all the forms.

This consumer bankruptcy software also provides explanations of complicated legal terms that can help you with your DIY bankruptcy. When choosing a do it yourself Chapter 7 bankruptcy software, it is important to choose a product that has the tools you need for your own DIY bankruptcy.

If you are looking for a do it yourself Chapter 7 Bankruptcy software, Ezbankruptcyforms is one of the least expensive choices on the market.


CINcompass’s consumer bankruptcy software gives you access to forms for Chapter 7, 9, 11, 12, and 13 bankruptcy. CINcompass has the advantage of letting you electronically file forms in places where that is allowed. The basic plan costs $75 a month.

If you are filing without an attorney, you will most likely need a consumer bankruptcy software to file for Chapter 7 bankruptcy. That said, depending on your situation, other forms of bankruptcy might be right for your do it yourself bankruptcy needs.

Best Online Bankruptcy

National Law Forms offers consumer bankruptcy software for $299. This software allows you to fill out Chapter 7 forms and - where offered - electronically file them.


1ClickBankruptcy offers a consumer bankruptcy software for $99.

1ClickBankruptcy sells an attorney designed DIY bankruptcy software. Their consumer bankruptcy software provides step by step instruction on how to complete the required forms.

Additionally, this do it yourself Chapter 7 bankruptcy software does all the required math as you fill out the forms. If you don’t want to do a lot of math or are looking for a lot of guidance in your DIY bankruptcy, this may be the commercial bankruptcy software for you.

Other do it yourself Chapter 7 Bankruptcy Software Resources

If you are looking for do it yourself Chapter 7 bankruptcy software, consider looking at your local court’s website. Many courts provide information about other ways to have a DIY bankruptcy. For instance, the Eastern District of New York provides a list of consumer bankruptcy software providers.

If you want a different consumer bankruptcy software, checking your local court may be a good way to find something to meet your DIY needs.

A Free DIY Bankruptcy Software: Upsolve

Unlike other paid consumer bankruptcy software, Upsolve provides a free way to file for bankruptcy. If you are looking for a free do it yourself Chapter 7 bankruptcy software, Upsolve may be right for you.

Upsolve is a nonprofit founded out of Harvard Law School’s Access to Justice Lab with a mission of expanding access to low-income people who need a fresh start. Upsolve is funded by the federal government (the Legal Services Corporation), and leading philanthropists such as Eric Schmidt, former CEO of Google. Here is a video from our founders.

Upsolve only helps low-income users who do not own real estate and want to file for Chapter 7. If you qualify, though, you can go to upsolve.org to create an account and get started on your own DIY bankruptcy.

On the site, you will be directed to take a credit counseling course to make sure bankruptcy is a good fit for you and there aren’t other methods for repaying your debt. You will also answer upload or take photos of financial documents like tax returns and pay stubs. And you will answer a number of questions about your income, expenses, assets, and debts.

From your answers, Upsolve's free tool will create your bankruptcy forms which are then check to make sure the information is internally consistent. The attorney will reach out with any questions. When you are done, we will email you the forms with instructions on how to bring or mail them at your local bankruptcy court to file them.

If you are looking for a do it yourself Chapter 7 bankruptcy software, Upsolve is a free alternative to other paid consumer bankruptcy software.


If you are looking for a do it yourself Chapter 7 bankruptcy software there are a lot of consumer bankruptcy software options to choose from. You should pick the DIY consumer bankruptcy software that is right for you.

If you think bankruptcy might be the right option for you, it is important to understand what the best do it yourself Chapter 7 bankruptcy software is for you. There are many different do it yourself Chapter 7 bankruptcy softwares on the market.

Whether you’re filing with an attorney or having a DIY bankruptcy with a service like Upsolve, Chapter 7 bankruptcy can be a great way to help you get a fresh start.

Doing a DIY bankruptcy? Upsolve can help you file for free. You can get started with Upsolve by taking our screener.

Written By:

Kristin Turner, Harvard Law Grad


Kristin is a recipient of Harvard Law School’s Public Welfare Foundation A2J Tech Fellowship. At Harvard Law, she served as a member of the Harvard Defenders, the Women’s Law Association, and the Harvard Law Negotiation Review. She was the 2016 – 2017 president of the Harvard Bla... read more about Kristin Turner, Harvard Law Grad

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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. 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.