Bankruptcy Basics

Want to learn the basics of how to file for bankruptcy? We will walk you through what you need to know about your bankruptcy forms, court, and trustee.

6 things you should to know about the Statement of Intentions

If you’re planning on filing a Chapter 7 bankruptcy and have a car loan or other secured debt, here are 6 things you should know about the Statement of Intentions.

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What Your Bank Statements Tell the Bankruptcy Trustee

Even though it is not a formal requirement under the Bankruptcy Code, most Chapter 7 bankruptcy trustees ask filers to provide them with a copy of their bank account statement before the 341 meeting. Many ask for the statement that covers the filing date while some request several months of bank statements. Why are the trustees requesting this information?  It’s not to see how much you spent on take-out last month or to judge you for buying your lunch at the QuickTrip by your work every day. Instead, they’re looking for information that may not be anywhere else on your bankruptcy forms. Let’s find out what that might be! 

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What happens after the Meeting of Creditors?

The 341 meeting often marks the last official step the filer in a Chapter 7 bankruptcy case has to complete. Here is what happens after the 341 meeting.

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Converting a Chapter 13 to a Chapter 7 bankruptcy

Life happens to everyone, including those in a Chapter 13 repayment plan. Thankfully, the Bankruptcy Code provides a mechanism for changing (converting) your case from Chapter 13 to Chapter 7 bankruptcy if needed. Let’s take a look at what that entails exactly and what you should know about this affects your property and your debts.

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Bankruptcy Court - A Definition

The bankruptcy court is a federal court that oversees all bankruptcy cases filed in the United States.

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3 Important Players in Bankruptcy Court

In addition to the person filing bankruptcy, other individuals who will play an important role in your bankruptcy case are your case trustee, your bankruptcy judge, and - if you have one - your bankruptcy attorney. Let’s take a look at some of the important players -other than your creditors - that you may encounter in your Chapter 7 bankruptcy.

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How do I know if my trustee is going to seize an asset?

Chapter 7 bankruptcy is a liquidation bankruptcy and if the filer has property that is not protected by the available exemptions, the bankruptcy trustee sells the property for the benefit of all unsecured creditors. The vast majority of all consumer Chapter 7 bankruptcy cases filed in the United States do not result in the sale of any assets by the trustee. Trustees never simply come and take an asset - whether that’s money in your bank account or a boat sitting in your driveway. Let’s look at what you can review to determine whether your trustee is likely to seize an asset from you and what to expect once your case is filed.

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What are Priority Unsecured Debts?

We usually hear debts divided into two categories: secured and unsecured. A debt is secured if the lender has a security interest in some property and can take that property if you don’t pay. But, in bankruptcy, there are other important distinctions. Some unsecured debts get special treatment. In this article, we’ll explain the different types of unsecured debt, and what it means when a debt has priority.

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Corporate Bankruptcy Explained

When a corporation gets into financial trouble, the company may be able to file for bankruptcy protection. In some ways, corporate bankruptcy is like consumer bankruptcy. But, there are also important differences. In this article, you’ll learn how the two types of business bankruptcy differ, how each works, and how corporate bankruptcy is different from personal bankruptcy.

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Everything the Average American Consumer needs to know about Involuntary Bankruptcy

While no one ever wants to file bankruptcy, the vast majority of bankruptcy cases filed in the United States are voluntary bankruptcy cases. Voluntary bankruptcy cases are initiated when the debtor submits their voluntary petition to the bankruptcy court. It is possible, however, for creditors to initiate an involuntary bankruptcy case against someone.

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How can a trustee find out about an inheritance?

The Bankruptcy Code provides that an inheritance the filer becomes entitled to receive in the 180 days after their case is filed has to be turned over to the bankruptcy trustee so it can be paid to creditors. This article will explore why this rule exists, how it works exactly, and why it’s never a good idea to try and hide things from the trustee.

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What are preferential payments in bankruptcy?

Preferential payments, or preferences, are payments made to creditors before a bankruptcy case is filed that allow the creditor to receive more than they would have been able to recover in the bankruptcy case. Such preferential payments can be recovered by the bankruptcy trustee so the funds can be distributed to all unsecured creditors in shares. This article will explore what constitutes a preferential payment and why it matters to you if you’re thinking about filing a Chapter 7 bankruptcy.

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What is Chapter 20 bankruptcy?

Some people struggling with overwhelming debt find that bankruptcy is the best debt relief solution for their unique situation. Determining which form of bankruptcy to file is largely dependent on the amount and types of debt held, and the financial situation of the individual or married couple. When considering bankruptcy, most people first learn about Chapter 7 and Chapter 13, named for the Bankruptcy Code chapters that govern how they work. But a lesser-known arrangement, Chapter 20 bankruptcy, functions as a hybrid of the two.

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Reorganizing your debt? Know the differences between Chapter 11 vs. Chapter 13 bankruptcy

If you’re exploring how bankruptcy can help you deal with your debts, you’ll want to learn about the different types, called chapters of bankruptcy. The most well-known chapters of bankruptcy filed by individuals (and married couples) are Chapter 7, Chapter 13, and Chapter 11 bankruptcies. Each type of bankruptcy operates differently. A Chapter 7 liquidation bankruptcy case can erase debts without a repayment plan. A Chapter 13 reorganization bankruptcy case requires a repayment plan. A Chapter 11 case might include a repayment plan. Chapter 11 cases are mostly filed by businesses or people with significant assets and debts. Chapter 7 and Chapter 13 are the most common chapters filed by individuals. Read on to learn more about the differences between Chapter 11 and Chapter 13 bankruptcies.

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Chapter 7 Document Checklist

Filing bankruptcy is a very document intensive process. This shouldn’t be a surprise, as the petition the filer submits to the bankruptcy court can be up to 100 pages long. Since preparing for a Chapter 7 bankruptcy can be stressful, scary, and confusing, it can be helpful to use checklists to keep yourself on track. In this article, we’ll look at what documents you’ll need to gather to ensure your case proceeds smoothly and without unnecessary complications.

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What’s the Downside of Filing for Bankruptcy?

If you’ve already tried everything to get out of debt and you’re still drowning, it’s normal to think that bankruptcy sounds almost too good to be true. After all, a Chapter 7 bankruptcy can eliminate your debts in as little as 4 months. Not to mention that the vast majority of personal bankruptcy filings actually allow the filer to keep all of their belongings. As with everything in life, there are some downsides to filing bankruptcy. Let’s take a look at what they are so you can decide whether filing bankruptcy is the right debt relief solution for you.

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What’s a set off and why does the court want to know about it?

A set off is when a bank takes money out of your bank account because you defaulted on your payment obligations on a debt owed to that bank. Normally, creditors have to get a judgment before they can reach the funds in your checking or saving accounts, but there is an exception to that general rule: When you have a credit card or loan with your bank, the agreement (either the credit card agreement or the loan documents) will often give the bank the right to pay themselves directly out of your account in the event of a default. 

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What Does Bankruptcy Mean?

Bankruptcy is one of those words that everyone’s heard but many don’t really know what it means. Especially with so many high profile bankruptcies in the news these days, it can be hard to figure how bankruptcy can actually help a regular consumer. Let’s take a look at what bankruptcy means and how the different types of bankruptcy enable you to take back charge of your finances.

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Is my stimulus money at risk if I file bankruptcy before I get the funds?

The funds you’re expecting will be an asset of your bankruptcy estate. There is nothing in the CARES Act, the relief bill that created the stimulus, that suggests otherwise. This means the only way to protect the money is through a wildcard exemption.

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What to do if your income decreases after filing Chapter 7 bankruptcy

If you’re a few months into your case, then you don’t have to do anything. If it changed shortly after your case was filed, wait for the creditors’ meeting and let the trustee know during the meeting that your income has changed. Depending on how much it changed, they may say don’t worry about it or request that you file updated forms.

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What is Chapter 7 bankruptcy?

Chapter 7 bankruptcy is a type of bankruptcy case that can be filed by individuals, married couples, and business entities. It’s the most common type of bankruptcy and provides the fastest form of debt relief. Further, even though it is a “liquidation” bankruptcy that provides for the sale of property to pay creditors, most individual Chapter 7 cases (more than 90%!) don’t require the filer to give up any of their belongings. Continue reading to learn more about how Chapter 7 bankruptcy works and learn more about what everyone filing Chapter 7 bankruptcy should know.

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What can go wrong at the meeting of creditors?

The meeting of creditors is the one time everyone filing for bankruptcy has to go to court to answer questions from their trustee. Naturally, it’s often the most stress inducing part of the entire case for the filer. Let’s take a look at what to expect at your creditors’ meeting, and, importantly, some of the things that can go wrong at the meeting (and how to avoid them).

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Reaffirmation Agreements

People who file bankruptcy are often concerned about what's going to happen to their car. Signing a reaffirmation agreement is one option that lets you keep your car and continue making the payments, but it's not the only option and might not be the best option in your situation. Read on to learn about how reaffirmations work and factors to consider when deciding whether to sign a reaffirmation agreement.

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Bankruptcy Statistics

The bankruptcy statistics in this article will provide a high-level view of consumer bankruptcy filings around the country, bankruptcy rates from state to state, the types of bankruptcy cases most often filed, and the financial problems that trigger bankruptcy filings.

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How to get debt relief through personal bankruptcy

Bankruptcy is a legal process to reorganize or eliminate - or discharge - someone’s obligation to pay all or some of their debts. The Bankruptcy Code provides both protections for filers and a system to treat creditors fairly under the law. Personal bankruptcy is a case filed by an individual (or married couple) to get relief from debt. This article will provide an overview of the two different types of personal bankruptcy and how each can provide you with a fresh start.

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Filing bankruptcy after a divorce

It’s not at all uncommon for either or both spouses to file for bankruptcy following a divorce. It could be that issues in the marriage led to financial problems. Or perhaps financial strains added to marital issues. Either way, the two often go hand-in-hand. If you are thinking of filing for bankruptcy after a divorce, there are several things you should keep in mind.

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Can I file bankruptcy without my spouse?

Yes, you can file bankruptcy without your spouse. A variety of factors play a role in determining whether filing bankruptcy with or without your spouse makes the most sense for you. This article will explore some of these considerations, then provide you with an overview of how to file bankruptcy without your spouse.

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The Automatic Stay

The automatic stay in bankruptcy is what protects filers from creditor actions while their case is pending. The debt relief afforded by a Chapter 7 bankruptcy - the discharge - is not granted by the court until about 3 - 4 months after the filing date. The automatic stay makes sure that wage garnishments and repossessions or foreclosures are stopped in the meantime and give the filer immediate relief by stopping the never-ending phone calls from debt collectors. Let’s take a closer look at what the automatic stay in bankruptcy means for you.

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How Will Filing Bankruptcy Affect My Children?

If you’re a parent, your children are the most important parts of your life. You don’t want to do anything that could harm their futures. If you’re considering bankruptcy, you may be worried about the impact this will have on your children. The good news is that for those who need to file bankruptcy, the positive impact on your family will far outweigh any inconveniences. This guide examines the issues that could impact your minor children.

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How do I know whether the court approved my application for a fee waiver?

Anyone who earns less than 150% of the federal poverty guidelines is eligible to apply for a fee waiver. But, that doesn’t automatically mean they will receive one. The court has full discretion on whether to grant a fee waiver application based on the information contained in the fee waiver application.

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Can I sell my car during bankruptcy?

Probably the most often asked question when it comes to filing for bankruptcy is if you can keep your car. While the answer to that question depends on several factors, sometimes the issue is the complete opposite and the question is whether you can sell your car during bankruptcy. Continue reading to learn what to expect if you’re considering selling your car during a Chapter 7 or Chapter 13 bankruptcy.

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What is a bankruptcy estate?

Whenever someone files for bankruptcy, a bankruptcy estate is automatically created. A bankruptcy estate consists of the property or assets that you own. What assets you get to keep because it’s protected depends on the bankruptcy exemptions that you can claim. In this article, we will review what a bankruptcy estate is and what that means for you.

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Disability and Bankruptcy

How disability affects a bankruptcy case depends on what you mean by "disability." There are three major categories of disability payments: social security disability, veteran's disability, and private disability. Private disability is purchased either by an individual or provided by their employer. Other than to mention that some states’ laws exempt private disability from creditors and the bankruptcy trustee, this article will not cover private disability. This article focuses on government disability in the form of Social Security Disability and Veterans’ Disability.

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Store Cards and Bankruptcy

Issuing credit cards to their customers is a favorite and quite effective marketing technique used by many retail stores. It makes the customer feel special and come back to take advantage of the “deals” only available to card holders. Common examples include Best Buy, Kohl’s and Apple credit cards. This article explores how store credit cards are treated in a Chapter 7 bankruptcy.

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Can attorney fees be included in bankruptcy?

Attorney fees can, and should, be included in any bankruptcy filing. The larger question is whether attorney fees can be discharged in a bankruptcy proceeding. The answer to that question is generally yes. In this article, we will explore what to look out for if you're trying to discharge attorney fees.

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What does "the automatic stay has been lifted" mean?

The automatic stay is one of the main benefits of filing for bankruptcy. It provides the filer with immediate protection from their creditors, which means all collection calls have to stop, garnishments have to stop, and foreclosures can’t go forward. This article will discuss how the automatic stay works, how it fits in the greater picture of getting Chapter 7 bankruptcy relief, what can cause the automatic stay to end, and what to expect once that happens.

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What’s the difference between a discharge and dismissal in bankruptcy?

Many individuals filing bankruptcy for the first time are unsure of the terminology used by lawyers and the courts. Two words that frequently confuse first-time filers are “dismissed” and “discharged.” The purpose of this article is to explain the difference between the two and when lawyers and the court are most likely to use them when referring to your case.

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Can you file bankruptcy twice?

Yes, you can file for bankruptcy twice. The real question is how soon can you file a second bankruptcy? This depends on several factors, including what chapter your last case was filed under.

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Help, my 341 meeting is coming up and I can’t find my social security card!

Ideally, you’ll have located your social security card at the very beginning of the process and have everything ready to go by the time your creditors’ meeting rolls around. Of course, life doesn’t always go as planned. If you can’t find your social security card in time for the meeting, bring last year’s form W-2 from your employer or one of the other accepted alternatives.

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What is a luxury item and why does it matter for my Chapter 7 bankruptcy?

A luxury item is something that is not reasonably necessary for your maintenance and support. It’s something you don’t need to live. Non-luxury items, on the other hand, are things you purchase to cover necessities for yourself and your dependents. Things like groceries, utilities, rent, and gas. The term luxury item includes both products and services that cost more than $725.

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Giving gifts before filing bankruptcy

The bankruptcy system doesn’t care about the fact that you purchased your kids some toys for Christmas, or that you’re giving a friend a $10 gift card for their birthday. But, you will be required to list all persons who received gifts with a combined value greater than $600 within the 2 years before your bankruptcy case is filed. This article discusses how gift giving is viewed in a Chapter 7 bankruptcy.

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My children receive social security benefits. Do I include this as income in my bankruptcy?

There are two locations in your bankruptcy forms where income has to be disclosed, the means test and your Schedule I. This article explores whether and when you should include social security benefits your child receives as part of your household income in your bankruptcy forms.

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How to File Bankruptcy in 2020: A 10-Step Guide

Chapter 7 bankruptcy is an important debt relief tool for Americans in severe financial distress from losing a job, getting injured, or getting divorced. Upsolve walks you through the steps on how to file for Chapter 7 bankruptcy.

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Can I file bankruptcy with my deceased spouse?

No, you can't file bankruptcy jointly with your late spouse. But, you can (and should) make sure that all of their debts are listed on your schedules so any payment obligation you may have to the creditors can be discharged in as part of your case.

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How to File Chapter 13 Bankruptcy: A Step-by-Step Guide

Filing chapter 13 bankruptcy is much like filing chapter 7 bankruptcy, initially, but it does get much more complicated.

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Can Social Security Overpayments be Discharged in Bankruptcy?

If you owe money to the government due to an overpayment of social security benefits, you may be concerned about whether you’ll be able to eliminate this debt as part of a Chapter 7 bankruptcy. Keep reading to learn how to make sure you are able to discharge your debt for this overpayment.

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What bills do I have to keep paying after filing a Chapter 7 bankruptcy?

One of the biggest benefits of filing bankruptcy is the automatic stay that goes into effect as soon as the case is filed. It means that your creditors (those you owe a debt) are not allowed to keep asking you for money. But, just because you don’t have to pay your debts after filing bankruptcy, you’ll still have some expenses to pay going forward. This article will explore what kind of bills a person filing Chapter 7 bankruptcy has to pay even after their case is filed.

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What is the presumption of abuse in bankruptcy? 

While every American has the right to file a Chapter 7 bankruptcy,there are specific income requirements you must meet to be eligible for a Chapter 7 discharge. If your current monthly income exceeds these limits, then a presumption of abuse exists in your bankruptcy case. This article will explain what the presumption of abuse is, why it exists when it arises, and how it can be overcome. Finally, we take a brief look at what it means to file Chapter 7 even though a presumption of abuse exists in your Chapter 7 bankruptcy case.

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Why do reaffirmation agreements exist? 

A brief overview of why reaffirmation agreements exist and their purpose.

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Filing bankruptcy while self-employed

Do you own your own business and are your own boss? Congratulations! You're living the American dream! Of course, if you're finding yourself in financial difficulties, the American dream of being self employed can feel a little bit like a nightmare. This article will explore the two most typical ways individuals own businesses, and how it impacts your options when it comes to getting lasting debt relief through a personal Chapter 7 bankruptcy.

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Everything You Wanted to Know, But Were Too Afraid to Ask: 341 Meeting of Creditors

In this article and video we will be walking you through what goes on in a typical 341 Meeting of Creditors, and hopefully help calm your nerves! It’s going to be okay! We promise.

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Can Bankruptcy Help Discharge Traffic Tickets, Court Fines, and Road Tolls

If you have any traffic tickets or court fines, then filing bankruptcy may help you get out of debt. You will first need to determine which Chapter of bankruptcy will be most helpful in your situation. At Upsolve we provide the tools you need to file a Chapter 7 bankruptcy without the help of a bankruptcy lawyer. If you feel more comfortable using a bankruptcy lawyer we can help you find one.

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Can Filing Chapter 7 Bankruptcy Help Get Back Garnished Wages?

Many people who end up with a wage garnishment are already strapped for cash and can’t afford to have money taken out of their checks every week. Filing for bankruptcy is one of the ways to stop a wage garnishment.

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How to Fix a Mistake on your Bankruptcy Forms After Filing

When you file for bankruptcy and submit your forms you testify under oath that your forms are true and correct. If your [bankruptcy forms](https://upsolve.org/learn/chapter-7-bankruptcy-forms-explained "bankruptcy forms") have inaccuracies and you don’t fix your mistake, the Bankruptcy Court may assume that you’re purposely trying to hide information. Making an amendment to your forms is simple and shows the Court that you made a mistake.

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Should I keep paying my credit cards if I’m going to file bankruptcy?

It’s important to understand that you don’t have to be late on credit card payments to file bankruptcy. But at the same time, if you are really facing a hardship and are struggling to make ends meet each month then it is absolutely ok to fall behind on payments before filing bankruptcy.

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What is non-exempt equity?

What property you are allowed to keep and what you may be forced to sell or surrender when you file a Chapter 7 bankruptcy depends on how much non-exempt equity you have in the item. Let’s explore what this means for you, so you can choose the path to debt relief that makes the most sense for you.

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What Is A Co-Debtor and How Does My Bankruptcy Affect Them?

When you file bankruptcy, your co-signers will remain responsible for paying the debt that they co-signed for that is discharged in your bankruptcy. As long as they continue to pay the debt, your bankruptcy will not affect their credit.

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How to get your credit report for free

Your credit report has a lot of power over your daily life - whether that's when you go to get a new car or are applying for an apartment. In addition to using credit responsibly, keeping an eye on your credit report is one of the most valuable things you can do to make sure your financial house is as stable as possible. There are three ways to request a copy of your free credit report.

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Do I Need to Include My Spouse’s Income and Expenses?

Married couples don’t have to file bankruptcy together. Depending on their situation, it may make sense for only one spouse to file. This article explains what information the filer needs to include with respect to their spouse’s income and expenses.

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What is a tax return?

It is important to take all the necessary steps to make sure that you have copies of your tax returns or transcripts when you file for bankruptcy. Your tax returns will give the Bankruptcy Court and your Trustee an idea of your financial history. To ensure your bankruptcy case goes smoothly make sure to locate copies of them before filing your bankruptcy case, so you don’t have to rush later.

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Why you should not include credit card or personal loan debt payments in Schedule J (Expenses)

Since Schedule J is essentially a budget for life after bankruptcy and since you will not continue to pay your debts after filing for bankruptcy, don’t list your monthly credit card payments etc. on your Schedule J. Anything that gets discharged in your case, that you won’t continue to pay for should be left off your Schedule J.

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Can bankruptcy help me get my car back after repossession?

If your car has been repossessed, you’re probably stressed out and worried. If you have fallen behind on your payments and are wondering if bankruptcy can help get your vehicle back, the simple answer is yes, though it doesn’t always make sense to do so. If your car has been repossessed, [bankruptcy can help](https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/ "bankruptcy can help you") you get it back as long as you quickly take action to recover your vehicle.

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What does the bankruptcy discharge do?

A bankruptcy discharge is an order from the Bankruptcy Court that is granted to the filer in a successful Chapter 7 bankruptcy case. Discharge orders are also entered in Chapter 13 cases, but only if the filer is eligible for a discharge, which most often includes completing the payment plan. The debt that is discharged depends in part on the type of bankruptcy you file.

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Using A Fee Waiver For Free Bankruptcy Credit Counseling

Everyone who wants to file for bankruptcy has to take a credit counseling course before they can do so. While there is a small cost associated with this requirement, it is possible to take the required course for free by requesting a fee waiver.

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Does The Government Pay for Bankruptcies?

People filing for bankruptcy are struggling to pay their debts. Find out what type of costs to expect for Chapter 7 bankruptcy and who pays for it if you can’t.

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Is Bankruptcy Worth It?

Filing bankruptcy immediately protects you from your creditors but, it’s not right for every situation. Find out when filing bankruptcy may not be worth it.

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What Happens If I Declare Bankruptcy?

Overview of what to expect after declaring bankruptcy, including types of bankruptcy, the immediate debt relief benefits of filing bankruptcy, and important information about the Chapter 7 bankruptcy process.

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What You Need To Know About Divorce And Bankruptcy

Divorce and bankruptcy often go hand-in-hand. Financial strain can accelerate marital strife just as easily as pending separation can negatively impact your financial stability. While you may need to seek legal relief on both fronts, it is important to know how they impact one another, and that your personal circumstances will determine the best order to address them.

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What does it mean that a bankruptcy is public record?

Anything that you and I can get access to either through a court or another government entity without first getting authorization to do so is considered “public record.” This article will explore what kinds of records a bankruptcy filing goes into and what it means for you.

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Help with Bankruptcy

Need help with bankruptcy questions? You’re not alone - Upsolve offers free chapter 7 information and bankruptcy filing for all who qualify.

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What is a Bankruptcy Discharge?

The bankruptcy discharge is the order from the bankruptcy court that relieves the filer of the obligation to pay their discharged debts. It also prohibits creditors from ever trying to collect on that debt ever again. In other words, the discharge is a filer’s main goal in a bankruptcy, whether that’s a Chapter 7 bankruptcy or Chapter 13 bankruptcy. Let’s take a closer look at how this all works, what debts can’t be discharged, and what this all means for you.

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How to pass the Chapter 7 Means Test?

The Chapter 7 “Means Test” forms can be confusing, but do not let it deter you from pursuing a fresh start. You have options.

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Who Pays for Bankruptcies?

When individuals find themselves in debt, bankruptcy can be a solution that gives you a fresh start. But when someone files for bankruptcy, who pays for it? Learn more here.

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Steps to Take if a Debt Collector Sues You?

There are three steps you can take if a debt collector sues you. You can bypass all three by filing for bankruptcy.

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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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The trustee says I owe money/asset to the estate. What should I do?

What it means and what to do if a bankruptcy trustee says you owe money or an asset to the bankruptcy estate.

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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. Learn how to deal with your lease in a bankrutpcy so there are no unexpected surprises!

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Will I lose my personal injury settlement award if I file for bankruptcy?

Whether or not you can keep your personal injury settlement award when you file for bankruptcy depends on a number of different factors.

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Can I fire my bankruptcy lawyer?

Yes, you can fire your bankruptcy lawyer, but it will likely come at a cost.

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What are bankruptcy payments?

Bankruptcy payments can include the cost of filing, attorney fees, payments to your creditors, and other administrative fees.

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What happens if you transfer property before bankruptcy?

You are not allowed to transfer property for fraudulent purposes or for the purpose of hiding the property from your creditors.

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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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What should I do if a creditor keeps contacting me after I file bankruptcy?

Find out what to do if a creditor keeps contacting you even after your bankruptcy has been filed.

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Can I leave debts out of my bankruptcy?

Even though it might seem to make sense to leave certain debts out of your bankruptcy filing, you're not permitted to actually do so.

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Can filing bankruptcy stop a debt collection lawsuit against me?

Yes, in many cases, a debt collection lawsuit is the exact reason why people file for bankruptcy relief.

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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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How to File Chapter 13 Bankruptcy in 2020: A Step-by-Step Guide

Filing chapter 13 bankruptcy is much like filing chapter 7 bankruptcy, initially, but it does get much more complicated.

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Does Bankruptcy Affect Alimony?

You will still be obligated to pay alimony if you file for bankruptcy. Alimony is not a dischargeable debt.

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Texas Bankruptcy Exemptions

The intent of bankruptcy is not to strip you of everything you own. Exemptions allow you to keep many, if not all, of of your belongings.

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How much debt do I need to file for Chapter 7

You cannot have too little or too much debt to file for Chapter 7.

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Illinois Bankruptcy Exemptions

The intent of bankruptcy is not to strip you of everything you own. Exemptions allow you to keep many, if not all, of your belongings.

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How to File Bankruptcy Without a Lawyer?

You are not required to hire an attorney to file bankruptcy. You can do so for free, or with a legal aid organization.

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Will My Employer Find Out About My Bankruptcy?

Your employer will most likely not find out about your bankruptcy case when you file.

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Will Bankruptcy Affect My Citizenship Application?

You can still file for bankruptcy without being a United States citizen, but your immigration and citizenship applications may be affected.

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How Does Bankruptcy Affect My Retirement?

Your retirement savings usually aren’t affected by bankruptcy. After you file, saving for retirement after bankruptcy might be even easier than before.

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Is bankruptcy discharge public record?

There are a few, limited ways that your bankruptcy becomes public record.This alone shouldn't stop you from choosing to file for bankruptcy.

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Chapter 7 Bankruptcy: What Can You Keep?

Chapter 7 bankruptcy exemptions allow you to protect property during your bankruptcy. Usually these exemptions allow you to keep most of your day-to-day property.

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Does Bankruptcy Affect My Social Security Income?

If you list it as exempt, your Social Security is almost always protected during bankruptcy.

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I’m unemployed. Can I file for bankruptcy?

You don’t have to be employed to file for bankruptcy. That said, unemployment can require you to file a Chapter 7 case and add things to consider when you do.

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How Long Does Chapter 13 Bankruptcy Take?

You are likely to spend about 3 to 5 years completing your Chapter 13 case.

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My case was dismissed. When can I refile a new case or reopen my case?

If your bankruptcy case is dismissed, it closes the case without discharging your debts.

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How Do I Value My Pet?

If you are filing for Chapter 7 bankruptcy protection, you are required to include your pets in the schedules. While your pets are priceless, the trustee needs to know if it can be sold for an amount higher than the allowable exemption amount. Unless you have a rare, purebred, champion show animal with breeding rights that can generate income, it is likely that your pets will not be worth near as much as the limit for exemptions.

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If I received a discharge, when can I refile?

If your bankruptcy was fully discharged, you can refile bankruptcy after a certain amount of time has passed. If you file before the time limit is up, you will not be entitled to have your debts discharged.

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How do I protect my retirement assets?

Most of your retirement accounts are fully protected in a bankruptcy case. Any retirement account that is “ERISA qualified” is completely excluded from the bankruptcy estate, meaning that there is no risk that the Trustee could take the asset to pay your creditors.

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I believe a creditor listed on my petition has violated the automatic stay. What can I do?

The automatic stay goes into effect as soon as your bankruptcy petition has been filed with the court and a case-number assigned to your case. The automatic stay prohibits creditors from trying to collect a debt from you. Creditors and their attorneys know that the bankruptcy court can order them to pay sanctions to the bankruptcy filer if they violate the automatic stay.

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Should I inform my tax preparer about my bankruptcy case

Yes. If you find out that you are owed a refund there may be special instructions provided by your trustee that you will need to follow regarding your refund check that your tax preparer must know before filing your returns.

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What does it mean if the trustee finds an asset and asks creditors to file a proof of claim?

If the trustee discovers an asset during your bankruptcy filing, a creditor must file paperwork before they can get paid. Any creditor who wants to be paid from bankruptcy funds must file a claim by the specified deadline. That paperwork is called the “proof of claim.”

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I received a message saying my credit report could not be pulled. What should I do?

We are sorry about that! This can happen for various reasons. Unfortunately we are unable to pull your credit report again so you must manually add the debts.

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What Happens to Your Tax Refund in Bankruptcy?

When tax season comes, many individuals filing for bankruptcy expect to receive a tax refund check. So what happens to your tax refund when you file for bankruptcy?

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How often can you file bankruptcy?

In this article, we will look at just how often you can file bankruptcy depending on the previous chapter you filed and what other debt-relief options are available if someone is precluded from filing bankruptcy. We’ll also take a look at whether a bankruptcy attorney can help you file bankruptcy sooner.

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I’m a 1099 Contractor. How is My Bankruptcy Different?

Much of the bankruptcy process is the same for people who are a full-time employee and people who are contractors. However, there are a few differences. When your income is not regular or easily predicted, you must demonstrate that you are eligible to file and ensure that it makes sense to file when you do.

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Can I buy a car after bankruptcy?

Buying a car after completing a Chapter 7 is definitely possible and not uncommon. The longer that you can wait to make a large purchase after receiving your discharge the better off you will be.

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Can I Amend My Bankruptcy Forms After I File?

You can almost always amend your bankruptcy forms after you file. Knowing how the process works can help you correct a mistakes or add information if need be.

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Can bankruptcy take your 401k or IRA?

Retirement accounts are almost always protected in a bankruptcy case. If you are considering filing, it’s best to keep your retirement assets where they are. Unless you can fully pay off all of your debts, taking money out of your retirement accounts to keep up usually only prolongs the inevitable.

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How To Deal With The Stress Of Bankruptcy

The stress leading up to bankruptcy can often be overwhelming and difficult to mange. Many people struggle with the emotional toll of being in a lot of debt. Luckily, you’re not alone and bankruptcy is a great way to get relief after difficult times.

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Will Bankruptcy Stop Wage Garnishment?

Wage garnishment is a tool used by creditors to collect their debts through the court. Filing for bankruptcy will not only temporarily solve your wage garnishment problems, but potentially eradicate them altogether.

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What Goes into a Credit Score?

Your credit score is a combination of different factors such as payment history, types of credit, debt, and credit history that tell lenders who you are as a borrower. Being hands on about your credit score can help you take small steps toward a strong financial future.

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Can I File For Bankruptcy After Moving To A New State?

Yes, you can file bankruptcy after moving, but it may get a little more complicated. If you're moving to a new state, or have recently moved, you’ll need to know which bankruptcy property exemptions now apply to you. In this article, we will discuss the timing issues and other factors that may accompany a recent relocation. 

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Can bankruptcy help with payday loans?

Filing for Chapter 7 triggers the Automatic Stay which prevents the payday loan company from trying to collect the debt. If it is later discharged, you are no longer obligated to pay it back.

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How can I get debt collectors to stop calling me?

If you file for Chapter 7 bankruptcy, you can tell bill collectors that your filed, and they must stop calling you under the law.

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Do I have to pay the $335 filing fee?

You generally have to pay the fee if you earn above 150% of the poverty line for your state, and you generally don't have to pay the fee if you earn below 150% of the poverty line.

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What are the alternatives to Chapter 7 bankruptcy?

Bankruptcy is not right for everyone or every situation. If you're not sure whether bankruptcy is right for you, knowing what alternatives are available to give you some relief from your debts is a critical part of making the right decision for you and your family. Let's take a look at some of the most common bankruptcy alternatives.

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The trustee asked me if I used a bankruptcy petition preparer. What should I say?

Upsolve is not a bankruptcy petition preparer. Bankruptcy petition preparer's charge you for being able to use your service. Upsolve charges you nothing. 

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How do I find out who my trustee is?

You find out who your trustee is after you file your bankruptcy paperwork. You'll either learn right away from the court who your trustee is, or you'll get mail a few days later with your trustee's information.  

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The trustee asked me if I got help. What should I say?

It's always important to be totally truthful with your trustee. You can mention that you received help from Upsolve, but it's important that you indicate Upsolve is a nonprofit that did not charge you anything. 

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What is some research on the benefits of bankruptcy?

If you’re interested in the research around how bankruptcy helps low-income Americans, here are seven articles you should reach. The articles discuss how bankruptcy improves credit scores, employment outcomes, and future earnings. They also mention how bankruptcy stops wage garnishment and serves as a lifeline for people trapped in a cycle of poverty.

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Does bankruptcy stop foreclosure?

A bankruptcy filing does immediately stop the foreclosure process. Lenders can't foreclose or even try to collect debt until permitted to do so by the court. But a Chapter 7 bankruptcy only delays foreclosure.

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Does Bankruptcy Clear Judgments?

Chapter 7 bankruptcy can eliminate many unsecured debts. Some unsecured debt can even be discharged in a Chapter 13 bankruptcy case. But, what happens if credit card debt, medical bills, personal loans, or other unsecured debt is reduced to judgment? When a creditor or debt buyer files a lawsuit and gets a judgment against you, that generally doesn’t change whether the debt is dischargeable. That means some judgment debts are dischargeable and some are nondischargeable. The question becomes a bit more complicated if the creditor gets a judgment lien on your property. But, you may be able to avoid judgment liens in bankruptcy, keep your property, and discharge the debt. Here’s how it works.

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How much money is considered a gift?

The bankruptcy system doesn’t care about relatively modest gifts, and most people considering bankruptcy only have the ability to make modest gifts. Specifically, the bankruptcy forms ask whether you gave gifts with a total value of more than $600 per person within the two years before you filed for bankruptcy.

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What is a sole proprietor?

A sole proprietor is someone who owns an unincorporated business by himself or herself. See definition [here](https://www.irs.gov/businesses/small-businesses-self-employed/sole-proprietorships "here").

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Where can I watch the 341 prep meeting to prepare?

Log back into Upsolve and finish Course 2. When you're done, you'll see the prep video.

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Are parking tickets dischargeable under Chapter 7?

No. Parking tickets and speeding tickets cannot be erased in a Chapter 7 bankruptcy case. You would therefore still be responsible for the payment of the tickets after your other debts are discharged in your Chapter 7 case.  

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What does "out of pocket insurance" mean?

Out-of-pocket insurance means private insurance. Medicare, Medicaid, or your state insurance plan if automatically deducted from your paycheck is not considered out-of-pocket insurance.

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I'm on SSI. How much does bankruptcy cost?

If the only income you get each month is from SSI, bankruptcy is 100% free for you to file. Upsolve is totally free for you to use, and the court does not charge you any money for the filing fee. 

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Where can I take the second course, or the debtor education course?

You can only take the second course after you file for bankruptcy and receive your case number. If you've done this, go back to Upsolve.org and login to get directions. 

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Should I answer my summons?

If you have yet to begin filing bankruptcy you may choose to answer the complaint. A summons can certainly lead to more drastic legal actions when not handled properly. You have a certain amount of time to answer the summons and if you fail to answer it could result in a default judgment.  

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Can I request a tax transcript from the IRS?

Yes. You can order your tax transcript if you do not have it by going to the [IRS website](https://www.irs.gov/individuals/get-transcript "irs website"). 

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How do I know if my fee is waived?

For the $335 court fee, you'll get a notice in the mail that tells you if your fee is waived.

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I filed for bankruptcy in the past. Can I file again?

If you successfully filed for bankruptcy, you cannot file again for 8 years.  If you filed for bankruptcy, but your case was not successful, you can file again within 8 years. 

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I have a DUI. Can I still file for bankruptcy?

A chapter 7 bankruptcy cannot discharge or wipe out fines or penalties that are owed to the government. So filing bankruptcy under either chapter will not get rid of a fine imposed in a DUI/DWI prosecution.

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I can’t find my pay stubs. What should I do?

First, you should contact your employer and try to get your pay stubs from them. If that's not possible, just indicate on our questionnaire that you cannot locate your pay stubs and tell us why. It is okay to tell us that you're paid in cash. Always be truthful. 

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Where can I find my case number?

You can find your case number on your paperwork that you get back from the court after you file for bankruptcy. 

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I missed my 341 Meeting! What should I do now?

If you miss your scheduled 341 Meeting it is imperative that you speak with your assigned trustee ASAP and reschedule!

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If I tell the trustee I forgot to list a creditor will she reschedule my 341?

In most cases, no.  Although you can mention it during the 341 meeting. Trustees are usually concerned with assets that can be distributed to creditors, more than debts.

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When is the trustee meeting, also called my 341 meeting?

Your trustee meeting will take place between 21 and 40 days after you file for bankruptcy. 

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Will my landlord be notified that I filed for bankruptcy?

It depends. If you are on a month-to-month rental agreement, then the landlord doesn't have to know that you filed. 

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How do I find out if I'm required to file taxes?

Federal Taxes: All taxpayers are eligible to claim a standard deduction from their taxable income. This amount is based on your filing status and household size. State Taxes: If you are required a Federal Tax return, you usually need to file a state tax return as well.

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How will bankruptcy impact my student financial aid?

Whether you’re still at the beginning of your career and looking to improve your knowledge in your field by going to school or heading back to school to change your career altogether, chances are you’re worried about whether filing for bankruptcy protection will limit your options when it comes to getting student loans. This article will explore the impact of filing bankruptcy on someone’s ability to get a new student loan and provide some additional context about a filer’s ability to discharge student loans in bankruptcy.

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Where can I take the first credit counseling course?

Log in to your Upsolve account, and we'll give you the instructions. Upsolve users should go to [DebtorCC.org](http://bit.ly/2kQEQFx "debtorcc.org"). 

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I am being sued by a creditor and I have an upcoming court date. What should I do?

It depends on how soon the court date is, and where you are in the process of getting ready to file your bankruptcy case. If your bankruptcy case hasn’t been filed by the court date, make sure you attend the hearing. Otherwise, the judge can potentially grant a default judgment against you simply because you didn’t show up. 

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What does it mean to be "judgment proof?"

Being "judgment proof" means that you do not have anything for a creditor to collect if they sue you and win. As you can imagine, this means that they are not likely to sue you. It does not mean that they can't sue you, just that they probably won't be able to collect if they do decide to take you to court.

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What to do if I have a "Certificate of Notice" that says "undeliverable" next to creditors?

When you file bankruptcy, the court sends a document called the "Official Form 309A Notice of Chapter 7 Bankruptcy Case -- No Proof of Claim" to the creditors you listed on your bankruptcy paperwork. This form gives each creditor important information about your case and tells them what they need to do if they have a reasonable objection to your bankruptcy.

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How do I prepare for my hearing?

Your bankruptcy process will include at least one (the 341 meeting), and likely two (fee waiver) hearings. Here are some of the most common hearing types you might encounter along the way to your fresh start.

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How long does the bankruptcy process take?

In total, it takes 3 to 6 months to officially erase your debts. The most important part is preparing your bankruptcy forms. Most Upsolve users do that in under 5 days through our online service.

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What happens in bankruptcy if I have a potential lawsuit for money?

This depends on whether you are suing someone else, or whether someone is suing you.

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A creditor is suing me. What should I do?

When you file your bankruptcy paperwork, you will need to mention this lawsuit. Don't worry - our system will ask you all of the relevant questions, so as long as you have your case information available when you get to that section, you should be good to go.

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What happens if I paid someone back in the year before bankruptcy?

First of all, kudos for being the kind of person who honors their debts and cares about maintaining relationships! When you are struggling with your finances, it can be difficult to pay the money you owe -- especially when you feel like you have to choose between paying back credit card companies and paying back the people you love.

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Can the trustee seize money that I received after I filed?

That depends on four things: 1. Whether the funds were an unexpected gift, 2. When you became entitled to receive those funds if they were not a gift, 3. Whether you reported them on your bankruptcy filing,  4. And whether you have remaining exemptions that can cover the funds.

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Will my family, who I live with for free, learn about my bankruptcy?

Probably not. In general, family members are not notified of your bankruptcy unless (1) you owe them money, (2) they are jointly liable for one of your debts, or (3) you have a continuing contract or lease with them.

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What is an Emergency Bankruptcy Filing?

People seek an emergency bankruptcy filing when creditors are threatening to take immediate action to seize or sell assets. The emergency bankruptcy filing stops the creditor as soon as you file the main bankruptcy forms.

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Keeping a Checking Account During Chapter 7 Bankruptcy

If your account is being garnished, the bankruptcy case should stop the garnishment. The garnishment should not start again if the debt is wiped out in the bankruptcy case. However, if the garnishment is for alimony, child support, or taxes, the bankruptcy won’t wipe out the debt and the garnishment continues.

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Can I File for Bankruptcy After a Lawsuit?

Bankruptcy can help a lawsuit depending on the type of lawsuit you’re involved in. The most typical kind you might be facing is if a creditor has filed a civil suit against you for non-payment of a debt which may lead to the creditor garnishing your paycheck.

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Will bankruptcy stop a levy?

If creditors are threatening to levy your bank account, you may be worried about how you are going to pay your bills and living expenses if a creditor takes your money. You may have been searching for ways that you can stop a levy when you came across information about bankruptcy filings. Can bankruptcy stop a levy? Should you file a Chapter 7 case to stop a levy? What if you cannot afford to hire a bankruptcy attorney to stop a levy? Can you still stop a levy without a bankruptcy attorney? All of these are important questions to be asking yourself. Let’s go over some important information about levies and ways you can stop a levy.

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What is Bankruptcy Fraud?

Bankruptcy Fraud is not making a math mistake or accidentally omitting a debt or asset. It’s intentionally deceiving the court during the bankruptcy process.

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What is the Chapter 7 Bankruptcy Timeline?

Filing for Chapter 7 bankruptcy can be an intimidating and daunting process. Especially if it's not something you've ever dealt with before, you may not know where to begin or how it ends. Here is an overview of what to expect as you prepare for your Chapter 7 bankruptcy and what happens after your case has been filed with the bankruptcy court. 

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Can I Get a Job, Housing, and Benefits if I File For Chapter 7 Bankruptcy?

Many people feel that the consequences of bankruptcy will extend to their life, work and income. However, the vast majority will keep their day-to-day lives intact without issue.

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How Bankruptcy Affects Credit Score

There are a lot of misconceptions about the ways bankruptcy affects credit score. In this article, we'll dispel some of these myths and provide information on how to improve your credit score after bankruptcy.

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Will Chapter 7 bankruptcy lower my credit score?

According to the New York Federal Reserve, the credit scores of those who file for bankruptcy are higher than people in the same shoes who don't.

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Should I File for Bankruptcy after a Foreclosure?

Many people consider filing for bankruptcy after their homes are foreclosed. Bankruptcy can get rid of any remaining debt once you sell your home.

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What Is an Automatic Stay In Bankruptcy?

The automatic stay stops the people and companies that you owe from trying to get their money. In most cases, the automatic stay goes into effect as soon as you file your paperwork.

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What is an asset in bankruptcy?

Figuring out what an asset is when filing for bankruptcy can be tricky. Learn what an asset is for your bankruptcy forms and the bankruptcy trustee.

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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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How to Stop Debt Collection Companies?

Do you want to stop debt collection companies? You may need to do more than to request that they stop contacting you.

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Where Can I Find Free Bankruptcy Chapter 7 Forms?

Filing for bankruptcy can seem confusing, and the paperwork itself can be daunting. Find the bankrutpcy forms for free.

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Requirements for Chapter 7 Bankruptcy

Deciding to file Chapter 7 bankruptcy should involve a review of everything that is required to successfully get a bankruptcy discharge after the bankruptcy filing. What follows is an overview of the requirements to file Chapter 7 bankruptcy and the requirements to getting your Chapter 7 discharge.

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What are the Chapter 7 Bankruptcy Income Limits?

This article outlines the income limits you need to know about if you're filing for Chapter 7 bankruptcy.

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Low Income Bankruptcy: Find the Option for You

There are special options available to low-income people filing for bankruptcy. Find out if one is right for you.

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How long does Chapter 7 bankruptcy take?

How long does Chapter 7 bankruptcy take? Upsolve explains how long it takes to get a discharge from start to finish.

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What are bankruptcy exemptions?

Bankruptcy exemptions protect property after a bankruptcy filing. Filing for bankruptcy relief does not mean that you have to give up everything you own. The purpose of filing a bankruptcy case is to get debt relief. We explain how you can protect your property from a Chapter 7 bankrutpcy trustee.

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How to Get a Free Bankruptcy Consultation in New York?

Find a free Chapter 7 bankruptcy consultation in New York City. A bankruptcy attorney will help you decide between Chapter 7 and Chapter 13.

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Do I Qualify for Bankruptcy?

Do you qualify for bankruptcy? There are a lot of things to consider, and we try to break it down for you. At Upsolve, we provide free Chapter 7 bankruptcy services for those in need of a fresh start.

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What is a Bankruptcy Trustee?

The bankruptcy trustee is responsible for reviewing your case and conducting the meeting of creditors. Understanding what they do will help you become even better prepared in your bankruptcy case.

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How to Stop Wage Garnishment in California with Bankruptcy?

Wage garnishment is a way for debt collectors to take money directly from your paycheck. In California, your income level and amount of debt you have can determine how much of your wages can be garnished.

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Finding Bankruptcy Paperwork for your Chapter 7 Case

Filing for bankruptcy can be complicated. This article gives tips on how to find the right paperwork to file for Chapter 7 bankruptcy.

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How to Stop Wage Garnishment with Bankruptcy in New York?

If you live in New York and your wages are being garnished, bankruptcy may be able to help you keep your paychecks and stop wage garnishment.

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What is Secured Debt in Bankruptcy?

When you get a loan by promising property as collateral to a creditor, you have a secured debt. A Chapter 7 bankruptcy can eliminate your obligation to pay a secured debt. But, bankruptcy can’t prevent creditors from taking any property you pledged if you default on your payments.

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How Can You Eliminate Tax Debt to the IRS with Bankruptcy?

You may be able to eliminate debt that you owe to the IRS for taxes by filing for bankruptcy. Learn how filing for bankruptcy can help with your tax debt.

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Legal Aid Bankruptcy Resources in New York City

Free legal aid nonprofits provide pro bono assistance to people who cannot afford bankruptcy attorneys. See if there's a legal aid nonprofit in New York City that can help you.

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How Can I Stop My Wages From Being Garnished?

Wage garnishment is a common problem for millions of Americans. It can be deflating to have your wages garnished. But you do have options to protect yourself.

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What is a Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a type of bankruptcy that provides relief for folks who make too much money to qualify for Chapter 7. At its core, it’s a reorganization that allows the filer to pay as much as their budget can handle instead of trying to keep up with each creditors’ minimum monthly payments.

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Chapter 7 vs. Chapter 11 Bankruptcy

If you are searching to find a solution to debt problems, we can help you choose between a Chapter 7 vs. Chapter 11 bankruptcy case. A Chapter 7 bankruptcy can help you get rid of debts quickly for very little cost to you. You can get the fresh start you need with Upsolve’s assistance.

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What are Non-Dischargeable Debts in a Bankruptcy Filing?

Non-dischargeable debts are debts that can’t be eliminated in a bankruptcy because the U.S. Bankruptcy Code doesn’t allow it. If you have non-dischargeable debts, a Chapter 7 bankruptcy case will not get rid of the debt. However, a Chapter 7 case can get rid of other debts so that you can pay non-dischargeable debts. Most debts are eligible for a discharge in Chapter 7.

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Chapter 7 Means Test Calculator

The Chapter 7 means test, generally just called the means test, is the analysis that determines whether a person is eligible for relief under Chapter 7 of the Bankruptcy Code based on their monthly income. It’s called the bankruptcy means test because, at its most basic level, it looks at whether someone has the means to pay their debts.

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What are the Chapter 7 Income Limits?

Before you file for Chapter 7 bankruptcy, you have to make sure you're eligible. Check out Upsolve to see if you qualify - they're a nonprofit that helps low-income Americans get a fresh start through Chapter 7 bankruptcy at no cost.

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How Do I Prepare for Bankruptcy?

It may be helpful to take these steps to prepare for filing for bankruptcy, whether you're working with a bankruptcy attorney or filing on your own online.

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What are the Chapter 7 Bankruptcy Rules?

The Chapter 7 bankruptcy rules are not as difficult to understand as you might believe. Contact our office to discuss how we can help you file for bankruptcy relief. Our mission is to provide no cost bankruptcy services for low-income families.

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What is the Meeting of Creditors?

In Chapter 7 bankruptcy, you'll most likely never see the inside of a courtroom. Instead, you'll attend the meeting of creditors, a short but very important part of your Chapter 7 case.

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Can I Get Rid of my Medical Bills in Bankruptcy?

This article will explain what bankruptcy is and what type of bankruptcy may be beneficial to you, how your medical debt is affected by bankruptcy, and how you can get started on your journey to discharging your debt and obtaining a fresh start. 

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Bankruptcy Counseling Courses: A Step-by-Step Guide

In order to begin your journey to a fresh start through Chapter 7 bankruptcy, you must complete the Bankruptcy Counseling Courses.

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What is Chapter 11 Bankruptcy?

Chapter 11 bankruptcy cases are mostly utilized by businesses - think Skymall or General Motors - or folks with significant assets and debts. The typical consumer is not a typical Chapter 11 filer, especially because both the filing fees and attorney fees are significantly higher. But, knowledge is power, so let’s take a closer look at Chapter 11 bankruptcy.

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Legal Terms That You Need to Know for Bankruptcy

Don’t let legal terms scare you away from the fresh start you need. Anyone can understand bankruptcy, no matter your education level. It can be confusing at first, but here at Upsolve, we break down the legal terms so that you don’t have to.

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Every Type of Bankruptcy Explained

Bankruptcy has helped millions of Americans relieve their debt burden and get a fresh start. There are different types, so it's important to know the differences and similarities. Upsolve is a non-profit that helps low-income households relieve their debt through Chapter 7 bankruptcy at no cost. Get started today with Upsolve, or read to learn more about the other types of bankruptcy.

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4 things you should know about the bankruptcy court system

The bankruptcy court oversees bankruptcy cases filed in the United States. The court maintains the records for all bankruptcy cases.

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How Much Does Bankruptcy Cost?

Chapter 7 bankruptcy provides relief for individuals and businesses that have no hope of ever repaying their debts. That’s why it seems strange to some that there are actual costs involved to get this relief. Keep in mind, though, that everyone’s case is different and someone’s inability to pay their debts as they come due does not necessarily mean that they can’t pay the costs of filing a Chapter 7. Let’s take a look at what they are. 

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Can I File For Bankruptcy Online?

When you are hit by a sudden financial shock and need a fresh start, you naturally ask - can I file for Chapter 7 bankruptcy online? The answer, while tricky, is “mostly, yes.” The Chapter 7 bankruptcy process involves (1) completing bankruptcy forms, (2) filing them with the bankruptcy court, and (3) attending a “341 meeting” with the official overseeing your case. That meeting is in person. But completing your forms and filing them can be done online in certain circumstances. In this article, we’ll explain the different options for filing for bankruptcy online and the pros and cons of each.

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What are the Pros and Cons of Filing Chapter 7 Bankruptcy?

Chapter 7 bankruptcy has its pros and cons. Read this article to figure out whether Chapter 7 bankruptcy is a good fit for you.

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Why is Chapter 13 Probably A Bad Idea?

Chapter 13 can often leave you in worse financial shape. It costs more than Chapter 7 and your case is is less likely to be successful.

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What Happens After Filing for Bankruptcy?

Knowing what happens after you file bankruptcy can make it seem less intimidating. Read on to learn about filing Chapter 7 bankruptcy, the meeting of creditors, keeping your car, and why creditors must stop contacting you after filing.

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How Will Chapter 7 Affect My Employment?

You cannot be fired simply because you filed for bankruptcy. In fact, employers usually don’t learn about it and it is illegal for an employer to discriminate based on your past filing history.

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Should I File for Chapter 7 Bankruptcy?

If you’re unable to pay your debts as they come due, or if you think you’ll soon be unable to do so due to a loss in household income, you may be wondering whether you should file bankruptcy to deal with it all. Chapter 7 bankruptcy is a powerful tool for American consumers who have fallen on hard times and need a fresh start. But, it’s not right for everyone. Let’s take a look at some of the things you should consider when deciding your next steps.

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What is Bankruptcy Legal Aid and Pro Bono?

Legal aid and pro bono attorneys can help you get through your bankruptcy filing. Find out how they work and why they exist.

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Do I Need Debt Consolidation?

Debt consolidation does not erase debt, but it can be helpful in reducing your interest rate on debt you owe.

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Chapter 7 vs. Chapter 13 Bankruptcy

Many low-income debtors have to decide between filing for Chapter 7 bankruptcy and filing for Chapter 13 bankruptcy. This Upsolve guide will help you figure out which type of bankruptcy is best for you.

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What is Bankruptcy?

This is a broad overview of just what bankruptcy really is and how it can empower you to take your life back in your own hands and start fresh after experiencing financial hardships.

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Rebuilding Credit After Bankruptcy: It IS Possible!

A bankruptcy does not destroy your credit forever. Instead, following some simple tricks and taking advantage of the various credit repair tools can help you build a stronger credit report and higher credit score after filing for bankruptcy.

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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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