Filing On My Own

We started Upsolve to help people filing for bankruptcy on their own unable to access an attorney. Learn about the bankruptcy court, means test, and trustee.

What is a Bankruptcy Discharge?

A bankruptcy discharge is the ultimate goal of bankruptcy. It is an Order from the court, releasing you from having to pay back certain debts.

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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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Filing for Bankruptcy

Although filing for bankruptcy can be a difficult decision to make, it is also a solution that will release you from crippling debt. Learn everything you need to know here before you get started.

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Bankruptcy Lawyers Near Me - Filing for Bankruptcy (Free)

Where do I find the best bankruptcy lawyer near me? That’s a question that many people are attempting to find the answer to. Get a fresh start with one of our expert bankruptcy attorneys at no cost to you.

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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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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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Can I keep money I receive from a lawsuit in bankruptcy?

Yes, you can usually keep a personal injury award to the extent it is protected by exemptions, either federal exemptions or your state’s exemptions.

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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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How to File Chapter 13 Bankruptcy: A Step-by-Step Guide (2019)

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

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Can I change my filing date?

I missed my filing date or I cannot file that day. The filing date is only used internally by Upsolve and not by the courts. It is fine to file before or after your Upsolve filing date.

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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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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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Why is my spouse's financial info needed if I'm filing by myself?

The court requires your spouse's income because it needs a full financial picture of your family.  

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What should I do after I file my case?

Go back to my.upsolve.org and enter in your case number. Read [this article](https://upsolve.org/learn/what-happens-after-you-file. "this article") we wrote for everything you need to do.

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I finished my credit counseling. Now what?

Congrats! Now you're ready for the petition review. If you found Upsolve directly, you can schedule a meeting with a member of our team. Sign in and use our scheduling tool. 

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I finished Course 2. Now what?

You need to prepare and attend [your 341 meeting](https:///hc/en-us/articles/360005457893-What-do-I-need-to-bring-to-my-341-meeting-or-my-meeting-of-the-creditors- "your 341 meeting"). 

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I finished the interview/questionnaire. What's my next step?

You need to complete the document upload section. We ask you to upload your tax returns, if you filed them. Congrats on finishing the hardest part. 

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I finished the document upload. Now what?

You need to complete the credit counseling course. It's offered at [DebtorCC](http://bit.ly/2kQEQFx "debtorcc"). This is the last thing you need to do before you can review your bankruptcy forms. 

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I had my 341 meeting. Now what?

Congrats. If your trustee said that your case was closed at the end of your meeting, you have nothing left to do. Within the next 2 months, you should get mail saying that your debt was officially discharged. 

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What are the filing instructions?

1. Review -- go to [my.upsolve.org](http://my.upsolve.org/ "my.upsolve.org") and review your bankruptcy forms to make sure there aren't any mistakes. If there's something big you need to change, reply to this email. If there's a small change, feel free to make it yourself.

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Is It Bad To File For Bankruptcy?

Many people asking themselves, "Should I file for bankruptcy?" also wonder, "Is it bad to file for bankruptcy?" If you're in lots of debt, the answer is usually no.

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On my bankruptcy forms, should I list debts that appear on my credit report but I don't owe?

You should list debts on your bankruptcy forms that are on your credit report even if you don't think you owe them.

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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 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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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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Low Cost Bankruptcy: Do Good Options Exist?

Filing for bankruptcy can get expensive. Apart from finding an affordable bankruptcy attorney, there are ways to file at low cost.

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Filing for Bankruptcy with Electronic Self-Representation (ESR)

This article provides an overview of Electronic Self-Representation and how you can use it to file for Chapter 7 bankruptcy. If you're looking to file for Chapter 7 at no cost, check out Upsolve.

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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 is a Bankruptcy Trustee?

The bankruptcy trustee is responsible for reviewing your case and conducting very important meetings. Understanding what they do will help you become even better prepared in your bankruptcy case.

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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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Best Do It Yourself Chapter 7 Bankruptcy Software

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.

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10 Tips for DIY Bankruptcy Chapter 7

Looking for a way to do a DIY Chapter 7 Bankruptcy? Here’s 10 tips to make sure you DIY Chapter 7 bankruptcy goes off without a hitch.

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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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Chapter 7 Means Test Calculator

In order to have your debts discharged under Chapter 7 bankruptcy, you need to pass the Means Test. To find out if you would pass, check out Upsolve. We are a non-profit 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?

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

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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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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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Can I File For Bankruptcy Online?

If you cannot afford a bankruptcy lawyer, there are options for filing online at a lower cost. Try ESR in the Los Angeles area or head over to Upsolve.org

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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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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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Chapter 7 Bankruptcy Forms Explained

There are 23 different forms for Chapter 7 bankruptcy that Upsolve attorneys will help you prepare. Here's a walk through of all of them.

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Five Essential Tips to File Chapter 7 Bankruptcy

Chapter 7 bankruptcy does not have to be complicated. Follow these 5 essential tips to make sure you have a successful case. Upsolve's free bankruptcy attorneys are here to help you out.

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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.

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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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