Debts

Bankruptcy can erase many debts from things like credit cards, medical bills, and payday loans. But it can’t erase some debts like most student loans.

Can I erase debt from judgements?

If you have a judgment against you for the following reasons, you will not be able to erase your debt.

Read More →

What is Community Debt?

"Community Debt" is: - any debt that you or your spouse acquired *__while married__* or - any debt for which you and your spouse are co-signers

Read More →

How much debt do I need to file for bankruptcy?

To qualify for Upsolve, you generally need to have at least $10,000 in debt. 

Read More →

How long does it take my debt to be discharged?

Your trustee meeting takes place 21-40 days after you file for bankruptcy. Then, about 60 after your trustee meeting, your debt will be officially discharged. 

Read More →

If I have a debt that’s not dischargeable, should I still list it?

Yes. You must list every debt you have on our questionnaire. The court needs to know about all of them. 

Read More →

Can bankruptcy eliminate my student debt?

No, except in very rare cases.  Many attorneys will tell you that, as a practical matter, you need to be mentally or physically disabled to erase student loan debt. It’s a very hard standard.

Read More →

Can my tax debts be discharged in Chapter 7 Bankruptcy?

Please read [this article](https://www.nolo.com/legal-encyclopedia/bankruptcy-tax-debts-eliminating-29550.html "this article").

Read More →

Can my tax debts be discharged in Chapter 7 Bankruptcy?

The answer is sometimes. Read [this article](https://upsolve.org/learn/bankruptcy-and-taxes "this article") to learn more.

Read More →

What should I do if a creditor tries to collect a debt during my bankruptcy?

Filing bankruptcy means that you shouldn't have to deal with creditors or debt collectors for a while.

Read More →

What type of debt can I erase in Chapter 7 bankruptcy?

Most debts can be erased in Chapter 7 bankruptcy, including: - Credit card debt - Medical debt - Most judgments from collection lawsuits - Personal loans - Utilities bills - Phone bills

Read More →

What Happens to My IRS Tax Debt If I File Bankruptcy?

The most common of all of debts owed to the IRS is back, or unpaid, income taxes. Chapter 7 bankruptcy is an option if your tax debt meets certain requirements.

Read More →

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.

Read More →

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][1] 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.

Read More →

Can Bankruptcy Erase Student Loans?

Millions of Americans are dealing with student loan debt. If you are looking for a way to erase your student loan debt then bankruptcy may be an option for you. This article details ways you can deal with your student loan debt.

Read More →

How to Get Veteran Debt Relief?

You can obtain veteran debt relief in one of several ways. If you cannot afford to pay your debts, filing bankruptcy may be the best way to obtain veteran debt relief.

Read More →

What are Non-Dischargeable Debts in a Bankruptcy Filing?

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.

Read More →

Can I Get Rid of my Medical Bills in Bankruptcy?

Medical bills are one of the most common causes of bankruptcy in America. Luckily, they can be discharged in a Chapter 7 case.

Read More →

How to Find a Credit Repair Lawyer?

A credit lawyer can help you repair your credit score by correcting mistakes and errors on your credit report. However, you can perform many of these steps yourself without an attorney. If you need to file for bankruptcy relief without an attorney, Upsolve can provide guidance

Read More →

What is Unsecured Debt?

You can get rid of unsecured debt by filing a bankruptcy case. Chapter 7 and Chapter 13 cases eliminate most unsecured debts.

Read More →

What should I do if I don't remember the creditors I owe in my bankruptcy?

If you don't remember the creditors you owe when filing for bankruptcy, don't worry. In many cases, you can still erase the debts you owe.

Read More →

Questions about bankruptcy?

Research and understand your options with our articles and guides.

Go to Learning Center →
Questions about Upsolve?
Read Support Articles →

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 pro bono 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.

Close
Looking for legal help?

Hundreds have used Upsolve's free service to clear medical, credit card, and other debt. Want to use our free service or find legal assistance in your area?

Get Free Legal Help