After Bankruptcy

Filing for bankruptcy is one challenge. Making the most out of your fresh start is another. We help you maximize your new lease on life.

Can I get a mortgage after chapter 7 bankruptcy?

Yes, you can get a mortgage after a chapter 7 bankruptcy. Lenders have their own requirements and waiting periods.

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A Guide to Leases in Bankruptcy

A lease is an agreement between a lessor and lessee, usually involving rental property or a vehicle.

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What does it mean that my debts have been discharged and what should I do now?

A discharge order that tells your creditors they are forever prohibited from asking you to pay your pre-bankruptcy debts ever again.

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Chapter 7 Discharged. Now what?

Monitor your credit report, stick to a budget, live within your means, rebuild your credit and live your life with a fresh start!

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Why do Bankruptcy Cases get Dismissed?

There are three main reasons for dismissal; you do not meet the eligibility requirements to file, there was a procedural error, or the case involves fraud or was filed for fraudulent purposes.

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How to Get a Reaffirmation Agreement in Chapter 7 Bankruptcy?

A reaffirmation agreement is a binding contract, and as such you should give careful consideration to the costs and benefits prior to entering into one.

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Can Bankruptcy Stop Eviction?

Yes, bankruptcy can stop an eviction temporarily in most cases, but will not stop an eviction in the long term.

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If I win a lawsuit after my bankruptcy, will I be able to keep my money?

If you file for Chapter 7 bankruptcy, the law of your state will determine whether you can keep the money from a lawsuit—but be prepared to give it up unless your state exemption law specifically says that you can keep the award.

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Can I get a credit card after filing for bankruptcy?

It's a myth that people won't be able to get a credit card after they file for bankruptcy. 

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When do I do course 2?

You do Course 2, also called the Debtor Education course, after you file for bankruptcy. 

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How long will bankruptcy stay on my record?

Chapter 7 bankruptcy stays on your credit report for 10 years. But most Chapter 7 debtors with low credit scores see their credit scores improve post-bankruptcy. [See the study](https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr725.pdf "see the study"). 

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What to do if a creditor is harassing me after my discharge?

Creditors are not allowed to do this unless the judge told them that they could at some point during your bankruptcy process. Check the "Notice of Discharge" that you received at the end of your bankruptcy process.

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What happens to my automatic stay if my case is dismissed?

*__The automatic stay will not go back into effect until the judge grants your motion to re-instate the case.__*

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Can I Buy a House After Bankruptcy?

There are multiple financing options available to buyers post-bankruptcy. The most important step is to make the most of your waiting period before you apply for a loan.

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How Bankruptcy Affects Credit Score

If you’re considering bankruptcy, it’s more likely that filing will help you repair your credit score, fast than if you didn’t take action.

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What are Bankruptcy Friendly Credit Cards?

Find a bankruptcy friendly credit card so that you can have access to credit after filing for bankruptcy.

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Should I File for Bankruptcy for Credit Card Debt?

Filing for bankruptcy can help you get rid of your credit card debt.

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5 Tips to Avoid Bankruptcy Dismissal

Avoid a Chapter 7 bankruptcy dismissal so that you can discharge all of your debts by following these directions.

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What Happens After Filing for Bankruptcy?

After you file for bankruptcy at the bankruptcy court, you'll meet with a bankruptcy trustee and complete your debtor education course.

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How do I Rebuild my Credit After Bankruptcy?

Many people who file for Chapter 7 bankruptcy are able to improve their credit scores after they file. Secured credit cards, secured loans, and staying on top of bills will help you improve your credit, sometimes by over a hundred points.

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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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