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 Are the Wyoming Bankruptcy Exemptions?

Some states allow their residents to choose between claiming state exemptions and federal exemptions; Wyoming is not one of these states. As a result, you don’t have to worry about learning more about federal bankruptcy exemptions. While much of your case will be impacted by the federal Bankruptcy Code and federal law, this is one area where you’ll generally only need to pay attention to state law, with a few exceptions. The only exception to this rule comes into play if you’ve lived in Wyoming for less than two years. In this case, you may need to claim exemptions according to the federal Bankruptcy Code or the law of your previous state of residence.

Read More →

What Are the West Virginia Bankruptcy Exemptions?

Claiming bankruptcy exemptions is straightforward for West Virginia residents because the state doesn’t allow filers to claim federal bankruptcy exemptions. A minority of states allow their residents to choose between applying state exemptions and federal exemptions to their property. However, because West Virginia is part of the majority, you’ll only need to worry about applying state-specific exemptions and federal nonbankruptcy exemptions to your assets. Take note however, that if you moved to West Virginia less than two years ago, you may need to deal with exempt property matters according to the law of your state of previous residence.

Read More →

What Are the Washington DC Bankruptcy Exemptions?

District of Columbia law allows Chapter 7 bankruptcy filers to apply either federal bankruptcy exemptions or exemptions unique to the District (including certain federal nonbankruptcy exemptions) to their property. This means that you can choose whichever exemption structure is more financially advantageous for your situation, although you may not “pick and choose” exemptions from both structures. The information listed below will help you to compare and contrast the pros and cons of each approach. Note however, that if you moved to the District of Columbia less than two years ago, you may be required to exempt property according to the state exemption laws of your prior state of residence.

Read More →

What Are the Vermont Bankruptcy Exemptions?

Vermont is one of 16 states (and the District of Columbia) that allows residents to choose between claiming the state-specific exemptions (coupled with some federal nonbankruptcy exemptions) or the federal exemptions. Each structure is independent, meaning that you can only claim one or the other and may not “cherry pick” those that you like best from each approach. It’s important to compare each structure to determine which will benefit your situation more completely. Note that if you have lived in Vermont for less than 2 years, you may need to apply bankruptcy exemption law from your state of prior residence.

Read More →

What Are the South Dakota Bankruptcy Exemptions?

South Dakota is among the majority of states that doesn’t allow residents to claim federal bankruptcy exemptions. Sixteen states and the District of Columbia allow residents to choose from their state exemption structure or the federal exemption structure per the federal Bankruptcy Code. As South Dakota does not, this makes the process of claiming exempt property more straightforward because you won’t have to compare two schemes to see which is more advantageous. As long as you’ve lived in South Dakota for a minimum of two years, you’ll apply state bankruptcy law and federal nonbankruptcy exemptions only when claiming exemptions for your personal property.

Read More →

What Are the Mississippi Bankruptcy Exemptions?

Under Mississippi law, almost all Mississippi residents must apply state exemptions to their property, as Mississippi doesn’t allow filers to claim federal exemptions unless an exception for a certain kind of property is allowed under federal law. Mississippi isn’t alone in this approach, as only 17 states allow filers to apply federal bankruptcy exemptions to their property instead of state exemptions. The only scenario under which you’d claim anything other than Mississippi exemptions is if you moved to Mississippi less than two years ago. Because Mississippi residents only have one exemption model to apply to their assets, the process of claiming exemptions is relatively straightforward.

Read More →

What Are the Montana Bankruptcy Exemptions?

Montana is not one of the 17 states that allows residents to claim federal exemptions instead of state-specific ones. As a result, as long as you’ve lived in Montana for at least two years, you’ll need to claim state-specific exemptions (as detailed by Montana law) to your property when filing for Montana bankruptcy. This makes the process of claiming bankruptcy exemptions fairly straightforward, as you don’t have to choose between the federal exemption scheme and the Montana exemptions. Simply claim every exemption that applies to you under state bankruptcy law and you’ll keep as much of your property safe from your trustee as possible.

Read More →

What Are the Rhode Island Bankruptcy Exemptions?

One important decision you’ll need to make when filling out your bankruptcy petition involves choosing which exemption statutes you’ll apply to your property. Rhode Island bankruptcy law allows residents (who have lived in the state for a minimum of 2 years) to claim either state exemptions or federal exemptions. It’s possible that you can exempt the same amount of property under both schemes, depending on what you own. But it’s also possible that you’ll benefit significantly by choosing one approach over the other. As you aren’t allowed to “cherry pick” exemptions from both structures, it’s important to compare and contrast the exemption types (including the federal nonbankruptcy exemptions) and amounts allowed under both schemes. That way, you can make an informed decision regarding which will serve you best.

Read More →

What Are the New Hampshire Bankruptcy Exemptions?

New Hampshire residents have a choice to make when claiming bankruptcy exemptions. As long as you’ve lived in New Hampshire for a minimum of 2 years, you can choose to claim either New Hampshire exemptions or exemptions under federal law. You aren’t allowed to pick and choose exemptions from both structures, so you’ll want to carefully compare and contrast the values of each (listed below) to determine whether state bankruptcy exemptions or federal bankruptcy exemptions will protect more of the property you own. Just remember that not all exempt property is created equal. For example, if you’re a homeowner, you may want to take advantage of a superior homestead exemption, even if a particular approach offers less in the way of personal property exemptions. Note that you can take advantage of federal nonbankruptcy exemptions, even if you choose to apply New Hampshire exemptions to your case.

Read More →

What Are the North Dakota Bankruptcy Exemptions?

One straightforward thing about filing for bankruptcy in North Dakota is that it doesn’t allow residents to claim federal bankruptcy exemptions. Although 17 jurisdictions in the United States do allow residents to apply federal exemptions to their property, North Dakota law doesn’t provide a choice between federal exemptions and state exemptions. Therefore, unless you moved to North Dakota less than 2 years ago, you don’t have to worry about comparing state law with federal law in this regard. Simply evaluate the North Dakota exemptions listed below and claim them if they apply to you. However, if you have qualifying assets, you will also want to take the federal nonbankruptcy exemptions into consideration in addition to the state-specific structure.

Read More →

What Are the Arkansas Bankruptcy Exemptions?

Most states only allow residents to apply their specific state’s exemptions to their property. However, Arkansas is one of 17 states that allows most residents to choose between the federal exemption scheme and exemptions allowed by Arkansas law. You can only apply one structure to your case, so it’s important to compare and contrast the benefits and drawbacks of each approach before committing to one or the other. As long as you’ve lived in Arkansas for at least 2 years, you can choose whichever approach will allow you broader bankruptcy protection for your property.

Read More →

What Are the Kentucky Bankruptcy Exemptions?

The exemption amounts available to you will depend on whether you choose to apply Kentucky bankruptcy exemptions or federal exemptions to your property. Kentucky law allows residents who have lived in the state for at least 2 years to choose between the Kentucky exemption structure and the federal exemption structure. You can’t “pick and choose” between structures, so it’s important to compare the advantages and disadvantages of each before deciding which will be most financially beneficial for your situation. Below, you’ll find detailed information about each structure so that you can determine which will be most advantageous for your family.

Read More →

What Are the Iowa Bankruptcy Exemptions?

You may have heard about federal exemptions before, but you won’t need to worry about them when filing bankruptcy in Iowa. State law only allows Iowa residents to claim Iowa exemptions and doesn’t give filers the choice to apply federal bankruptcy exemptions to their property instead. This Iowa law isn’t an unusual approach, as only 17 states in the U.S. allow residents to choose between state-specific bankruptcy exemptions and exemption laws provided by the federal Bankruptcy Code. Note however that if you moved to Iowa within 2 years of filing for bankruptcy, you may be subject to a different set of exemption standards than long-time Iowa residents are.

Read More →

What Are the South Carolina Bankruptcy Exemptions?

Only 17 states allow their residents to choose between claiming state exemptions and federal bankruptcy exemptions. South Carolina is not one of these states. Instead, South Carolina law provides residents with state-specific exemptions and does not allow its residents to claim federal exemptions. While some federal law in the Bankruptcy Code does influence how some South Carolina exemptions are structured, the kinds of exempt property filers can claim and the exemption amounts that apply to bankruptcy cases are state-specific. It’s important to note that if you have lived in South Carolina for less than 2 years, you may not be able to claim South Carolina’s exemptions to your property.

Read More →

What Are the Connecticut Bankruptcy Exemptions?

Connecticut is one of 17 states that allows most residents to choose between its unique exemptions and federal exemptions. As you can’t “cherry pick” exemptions from both structures, it’s a good idea to compare how much property you can safeguard under both schemes. That way, you’ll be able to make an informed choice about whether to take advantage of Connecticut law or federal law when it comes to exemptions. Unless you’ve lived in Connecticut for less than 2 years, you can pick whichever structure is most financially advantageous for your unique situation. Detailed information concerning both options can be found below.

Read More →

What Are the Utah Bankruptcy Exemptions?

Utah law does not allow residents to choose between claiming state-specific exemptions and federal exemptions. Instead, Utah Code specifies that residents who have lived in the state for at least two years must apply Utah exemptions to their property. While some states allow their residents to apply the federal structure of exemptions to their assets, Utah doesn’t, which makes the process of identifying exempt property and exemption values available to you more straightforward. All you need to remember is that to protect as much of your property as you can while you’re seeking debt relief and laying the groundwork for a fresh start, you’ll need to claim as many Utah exemptions to your property as are available and relevant to your situation.

Read More →

What Are the Massachusetts Bankruptcy Exemptions?

Massachusetts law allows for most residents to choose between applying federal bankruptcy exemptions and state exemptions to property that could be affected by the bankruptcy process. The only time that this choice is not available is if a filer is a new Massachusetts resident and has lived in the state for less than 2 years. By examining each approach below, you can determine whether your case will be served best by applying Massachusetts exemptions or by claiming those available under federal law. Oftentimes, both schemes do an equally adequate job of safeguarding a filer’s property. But sometimes, it’s advantageous to choose one option over the other.

Read More →

What Are the North Carolina Bankruptcy Exemptions?

Every state has its own set of bankruptcy exemptions. There’s also a set of federal exemptions contained in the United States Bankruptcy Code. Several states allow filers to choose whether to use state exemptions or federal bankruptcy exemptions, however, North Carolina doesn’t allow for the choice. If you’re a North Carolina resident filing bankruptcy, your only option is to use the North Carolina state bankruptcy exemptions. You can, however, use the federal nonbankruptcy exemptions in addition to the North Carolina state exemptions for any other federal protections available, either within a bankruptcy or not, beyond the state exemptions.

Read More →

What Are the Kansas Bankruptcy Exemptions?

Kansas does not allow filers to choose between using state exemptions and the federal exemptions. If you have lived in Kansas for more than two years you must use Kansas state exemptions in your bankruptcy case. If you do not meet the two-year (730-day) residency requirement, then you need to use the 180-day rule to determine which state’s rules apply. With the 180-day rule, you should look to where you lived for the majority of the 180 days before two years prior to your filing date. In other words, where you lived two and a half years ago. Once you have surpassed that two-year mark, however, you’re only able to use Kansas state exemptions. Married couples filing a joint bankruptcy together in Kansas can double most of the exemption amounts, so long as both spouses have an ownership interest in the property. Additionally, filers in Kansas can also use the protections offered by the federal nonbankruptcy exemptions along with their state exemptions.

Read More →

What Are the Nevada Bankruptcy Exemptions?

Nevada has opted out of the federal bankruptcy exemptions. This means that if you file for Chapter 7 bankruptcy in Nevada, presuming you fulfill the residency requirement, you must use the Nevada state exemptions for your bankruptcy case. There is one exception to this, which is if you have lived in Nevada for less than 730 days (two years), you don’t yet qualify to use the Nevada state exemptions. Instead, you’ll need to look back to where you lived during the 180 days before the two years prior to your filing, or roughly two and a half years ago. In either case, you will still have access to the federal nonbankruptcy exemptions in addition to your state exemptions.

Read More →

How to calculate your income for your bankruptcy forms if you’re self-employed

If you're self-employed, you likely aren't getting regular paycheck stubs to help you figure out your monthly income. This article will provide some tips on how to figure out your income for your bankruptcy forms even without a paycheck stub. Your income is calculated differently depending on whether you have a business entity or are a sole proprietor or independent contractor. Let's first take a look at what is considered income depending on how your business is set up and then figure out how to calculate your income for your bankruptcy forms.

Read More →

What are the Maine Bankruptcy Exemptions?

Maine does not allow its residents to use federal bankruptcy exemptions at this time. While 17 states do allow most residents to choose between their state’s bankruptcy exemption structure and federal exemptions, Maine is one of the 33 states that requires residents to use Maine exemptions only. This means that if you’re filing for Chapter 7 bankruptcy in Maine, as long as you’ve lived in the state for a minimum of 2 years, you’ll only be applying Maine bankruptcy exemptions to your property (except where state bankruptcy law allows for the limited use of very specific federal exemptions as add-ons).

Read More →

What are the Oklahoma Bankruptcy Exemptions?

Identifying available bankruptcy exemptions is relatively straightforward in Oklahoma, because state law doesn’t allow residents to claim federal bankruptcy exemptions. While 17 states do allow residents to choose between state and federal exemptions, Oklahoma does not. As a result, if you have lived in Oklahoma for at least two years, the bankruptcy court will only allow you to claim Oklahoma’s unique state exemptions. You can learn about each of the exemptions available to you in the information listed below. As you’re reading this information, jot down any questions that it inspires so that you can reference them easily if you choose to meet with a bankruptcy attorney.

Read More →

What are the New Mexico Bankruptcy Exemptions?

In New Mexico, filers are generally allowed to choose between applying federal bankruptcy exemptions or state-specific bankruptcy exemptions to their property. This means that most filers can take advantage of either exemption structure, depending on which will yield the most favorable results. However, if you haven’t lived in New Mexico for a minimum of two years, you may be required to use a specific exemption structure in accordance with federal and state laws. This approach aims to prevent people from moving to a different state to take advantage of the best exemption offerings available.

Read More →

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.

Read More →

What are the Maryland Bankruptcy Exemptions?

When Congress enacted the bankruptcy laws they created federal bankruptcy exemptions while at the same time, giving states the opportunity to decide if they want to use federal exemptions or create their own. A little less than half of the states allow filers to use either the federal bankruptcy exemptions or the state exemptions to protect their real property and personal property. Maryland requires filers who have lived in the state for at least 2 years to use the state exemptions. This means that to protect your property you will need to claim Maryland’s bankruptcy exemptions. Although you can’t use the federal bankruptcy exemptions contained in the Bankruptcy Code, you will be able to use the federal nonbankruptcy exemptions. The nonbankruptcy exemptions allow you to protect retirement accounts that are typically linked to a government job.

Read More →

What are the Louisiana Bankruptcy Exemptions?

Every state has its own set of bankruptcy exemptions, which are available to residents who file bankruptcy in that state. There is also a set of federal exemptions available under the United States Bankruptcy Code. Each state can decide whether to allow its residents to choose between their state exemptions and the federal exemptions. Louisiana is an “opt-out” state, which means that residents are limited to using only the Louisiana state exemptions. Debtors filing in Louisiana can, however, use any of the federal nonbankruptcy exemptions that they qualify for as a supplement to the state exemptions.

Read More →

What are the Hawaii Bankruptcy Exemptions?

Bankruptcy exemptions can vary from state to state as each state has its own exemption laws. States can also decide whether or not to allow the federal bankruptcy exemptions, which can be found in the United States Bankruptcy Code, as an alternative option to its residents. A minority of states allow a choice between state exemptions and federal exemptions, and Hawaii is on that list. This means that anyone filing bankruptcy in Hawaii can choose to use the state exemptions or the federal ones, depending on whichever suits them best. Please note that while you can choose between exemption sets, you can’t pick and choose for individual items. Whichever set you choose will be the only one that you can apply in your case. If you do decide to use Hawaii bankruptcy exemptions you can also supplement them with the federal nonbankruptcy exemptions if any are applicable.

Read More →

What are the Delaware Bankruptcy Exemptions?

Each state has its own set of bankruptcy exemptions available to its residents. There is also a set of exemptions available at the federal level in the United States Bankruptcy Code, which is part of the U.S. Code or U.S.C., and each state can decide whether or not to offer the federal exemptions as an alternative option for filers. Only a minority of states offer a choice. Delaware, like the majority, has opted out of allowing its residents to use the federal bankruptcy exemptions. So, if you’re filing bankruptcy in Delaware, you’ll be limited to only using the Delaware state exemptions. You can, however, also use any of the federal nonbankruptcy exemptions if you qualify to supplement the state exemptions.

Read More →

What are the Alaska Bankruptcy Exemptions?

Every individual state has its own set of bankruptcy exemptions available to residents. Bankruptcy exemptions also exist at the federal level in the United States Bankruptcy Code. Some states, including Alaska, allow their residents to choose between the state and federal exemptions. To be clear, you can’t pick and choose among all of the individual exemptions, rather you can decide which set you want to use, but then you are limited to the options within that set. If you decide to go with Alaska state exemptions, you can also supplement those with any federal nonbankruptcy exemptions that may apply.

Read More →

What are the Alabama Bankruptcy Exemptions?

When you file for bankruptcy you will learn that there are two sets of exemptions that states can use. The federal bankruptcy exemptions and state exemptions. Congress enacted the federal exemptions and gave states the option to allow their residents to use those exemptions. Alabama only allows filers to use the Alabama exemptions, not the federal exemptions. So, if you plan to file bankruptcy in Alabama, you will only be allowed to use the Alabama exemptions. Alabama exemptions can be found in the Alabama Code. Alabama exemption amounts are adjusted for inflation every three years. The next change will go into effect on July 1, 2020. In addition to Alabama's state exemptions, filers are able to use the federal nonbankruptcy exemptions to protect certain retirement accounts and disability benefits.

Read More →

What are the Washington Bankruptcy Exemptions?

There are federal bankruptcy exemptions and state exemptions that folks can choose from when filing bankruptcy. When Congress enacted the federal law on bankruptcy, they gave the states the discretion to decide if they wanted to use the federal bankruptcy exemptions or the state exemptions. Washington allows you to choose between the federal exemptions and the state exemptions. This means people filing bankruptcy in Washington can choose which set of exemptions is better to protect their assets. Keep in mind that Washington exemptions and the federal exemptions set forth in the Bankruptcy Code can’t be used together. Filers are required to pick one or the other. If you decide to use the state exemptions, you will be able to use the federal nonbankruptcy exemptions to protect certain retirement accounts and disability benefits.

Read More →

What are the Minnesota Bankruptcy Exemptions?

When you file a Chapter 7 or Chapter 13 bankruptcy you will learn that there are two types of exemptions that you can use. In Minnesota, you can use both federal bankruptcy exemptions and Minnesota bankruptcy exemptions. When Congress enacted the bankruptcy laws, they allowed states to decide if they wanted to opt into using the federal exemptions. Minnesota is considered an “opt-in” state because you can choose to use either exemption. If you choose to use Minnesota’s bankruptcy exemptions, you may also use the federal nonbankruptcy exemptions to protect retirement accounts and disability benefits. These additional exemptions can’t be used if you choose to use the federal bankruptcy exemptions.

Read More →

What are the Tennessee bankruptcy exemptions?

When Congress enacted the bankruptcy laws, it gave states the option to choose how they wanted filers to exempt their property. States were given the option to choose between allowing the federal exemptions set forth in the Bankruptcy Code and state exemptions. Some states allow filers to choose which exemption they want to use. Tennessee is not one of these states. If you are looking to file bankruptcy and exempt your property in Tennessee, you will be limited to Tennessee’s exemptions only. Tennessee law does not allow you to use the federal exemptions to protect property of the bankruptcy estate. One exception to this rule is that you can use the federal nonbankruptcy exemptions to protect certain retirement accounts and disability benefits.

Read More →

What are the Pennsylvania Bankruptcy Exemptions?

As mentioned above, when you file for bankruptcy you will need to determine whether to use the federal or Pennsylvania bankruptcy exemptions. As you fill out your bankruptcy petition, you will need to go through each of your assets and determine which set of exemptions fits best. Pennsylvania is one of the few states that allows you to choose which exemptions to use. Pennsylvania law allows you to either pick the federal or state exemptions, but you can’t use both. If you choose to use the Pennsylvania exemptions, you will only be able to use the federal nonbankruptcy exemptions to protect certain qualifying retirement accounts and disability benefits for public employees and military personnel. To stop people from fraudulently moving to different states to file bankruptcy where the exemptions are more favorable for them, the Bankruptcy Code requires you to be a Pennsylvania resident for at least 730 days (two years) to use Pennsylvania’s exemption scheme.

Read More →

What are the Indiana Bankruptcy Exemptions?

Most people are unaware that there are two types of exemptions that can be used if you file bankruptcy. When Congress enacted bankruptcy laws they allowed states to choose if they wanted to allow their residents to use the federal bankruptcy exemptions or state specific exemptions to keep their property. Indiana is one of the states that only allows filers to use the Indiana bankruptcy exemptions. So, when you fill out your bankruptcy forms, you will need to make sure that you are using the Indiana exemptions, not federal exemptions. One exception to this rule is that you can use the federal nonbankruptcy exemptions to protect certain retirement accounts and disability benefits. Keep in mind that choosing the right exemption to use is essential for your case to run smoothly.

Read More →

What are the Missouri Bankruptcy Exemptions?

The most important thing you will need to educate yourself before filing bankruptcy is what bankruptcy exemptions you will need to use. Bankruptcy exemptions allow you to keep your property. When filing bankruptcy there are two types of bankruptcy exemptions you will need to be aware of - federal exemptions and state exemptions. When Congress enacted bankruptcy laws, they implemented federal bankruptcy exemptions to allow filers to protect their property. At the same time, they allowed each State the opportunity to choose whether they want to use the federal exemptions or to opt-out if not. If you file bankruptcy in Missouri, you will learn that Missouri is an “opt-out” state. This means that Missouri opted out of allowing filers to use the federal bankruptcy exemptions. You can use the federal nonbankruptcy exemptions to protect certain qualifying retirement benefits, death benefits, and veterans’ benefits.

Read More →

What are the Oregon Bankruptcy Exemptions?

There is some good news for Oregonians who are looking to file for bankruptcy protection in the state. Note that now there are 2 separate systems of bankruptcy exemptions to protect Oregon filers in bankruptcy. The Governor signed a significant law on July 1, 2013, that now allows individuals filing either Chapter 7 bankruptcy or Chapter 13 bankruptcy in the state to elect to use federal bankruptcy exemptions. It is a huge change to the bankruptcy process in Oregon with a substantial impact on bankruptcy cases now being filed.

Read More →

What are the Colorado Bankruptcy Exemptions?

While the U.S. Bankruptcy Code operates in basically the same way throughout the country, there is one important exception: States have the ability to choose whether their residents can use the federal bankruptcy exemptions or have to use the exemptions available under state law even in a bankruptcy. While some US states allow people to choose between exemptions drafted by state lawmakers and federal bankruptcy exemptions, as a Colorado resident, you are not permitted to use the federal exemptions. Fortunately, Colorado has generous bankruptcy exemptions that can protect your property. So, you will have to use Colorado’s bankruptcy exemptions and federal nonbankruptcy exemptions, if applicable in your case. Unless stated otherwise, married couples in the state filing together can usually “double” the amount, provided both have an ownership interest in the relevant asset or property.

Read More →

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.

Read More →

Receiving Credit and Other Offers After Filing Chapter 7 Bankruptcy

Court cases and documents filed in court are part of the public record. The same holds true for bankruptcy cases. As a result, companies searching the court records will know that you filed for bankruptcy and will start sending you advertisements in the mail offering you their services, including offers to apply for credit. However, before you accept that offer for a new credit card or car loan, continue reading to learn what you need to consider and what your best options are.

Read More →

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.

Read More →

What are the New Jersey Bankruptcy Exemptions?

Every state has its own set of bankruptcy exemptions. There is also a set of federal bankruptcy exemptions contained in the United States Bankruptcy Code. Several states, including New Jersey, allow residents to choose between taking the New Jersey bankruptcy exemptions and the federal exemptions. It’s important to note that you have to pick one set of exemptions and stick to it, you can’t pick and choose from both New Jersey exemptions and federal, rather go with the set that gives you the most protection. If you decide to go with the state exemptions you can also use the federal nonbankruptcy exemptions as a supplement, so long as you meet the qualifications.

Read More →

What are the Idaho Bankruptcy Exemptions?

Every state has its own set of exemptions for bankruptcy cases. There is also a set of federal exemptions that are listed in the United States Bankruptcy Code. Each state gets to decide if they want to offer the federal bankruptcy exemptions as an alternative choice to their state exemptions. Idaho has opted out of the federal exemptions, which means that residents in Idaho are limited to using Idaho state exemptions in any bankruptcy case. Filers in Idaho can, however, supplement the state exemptions with the federal nonbankruptcy exemptions that protect benefits like federal laws protecting social security benefits from garnishment.

Read More →

What are the Nebraska Bankruptcy Exemptions?

Every state has its own set of bankruptcy exemptions under state laws. There is also a set of federal bankruptcy exemptions which can be found in the United States Bankruptcy Code. Some states allow their residents to choose between the state and federal exemptions. Nebraska, however, does not offer the choice to its residents. If you have lived in Nebraska for at least the last two years and you are filing for bankruptcy, you are limited to using the Nebraska state exemptions, but you can supplement those with any federal nonbankruptcy exemptions that apply. These additional exemptions are available whether or not you are in a bankruptcy case.

Read More →

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.

Read More →

What are the New York Bankruptcy Exemptions?

New York does allow consumers filing bankruptcy to use the federal bankruptcy exemptions. The Bankruptcy Code has implemented rules that require consumers to either choose either the federal or state exemptions meaning, they can’t use both at the same time. Moreover, you will need to have lived in New York for at least 730 days (two years) to be able to use the New York exemptions. Congress implemented this rule to stop people from gaming the system and moving to a different state just to be able to use more generous exemptions.

Read More →

What are the Ohio Bankruptcy Exemptions?

Although some states in the country allow people to choose between the federal bankruptcy exemptions and state exemptions, this option is not available if you are filing bankruptcy in Ohio. Ohio, like many other states, has its own bankruptcy exemptions. If you’ve lived in Ohio for at least 2 years when filing your case, you have to use the Ohio bankruptcy exemptions and can’t use federal exemptions Note that one great advantage of using state bankruptcy exemptions in Ohio is that you will have an additional list of bankruptcy exemptions that might be available to you. So, while you have to use Ohio bankruptcy exemptions if you file a bankruptcy in the state, you can use the federal nonbankruptcy exemptions as well. These exemptions protect certain qualifying property, like federal and military retirement benefits.

Read More →

What are the Wisconsin Bankruptcy Exemptions?

You will find a list of available exemptions in the federal Bankruptcy Code, or you may instead decide to use exemptions available under Wisconsin law. However, keep in mind that each state has the option of “opting out” of this scheme. Bankruptcy filers in an opt-out state may only use their state exemptions and not use the federal exemptions. As Wisconsin hasn’t opted out of the choice between state exemptions and federal exemptions, Wisconsinites who file bankruptcy can choose between federal bankruptcy exemptions or state exemptions. Actually, you will be happy to know that Wisconsin is one of the few US states that allows filers this choice, and this is a real advantage if you are filing Chapter 7 in the state. However, keep in mind that you are not allowed to cherry-pick exemptions from both lists; you can select only one set of exemptions. If you’re using Wisconsin law to exempt your property, you can also use the federal nonbankruptcy exemptions, if applicable. This also means that if you’re filing for bankruptcy in the state, you should review both sets of exemptions and then choose what scheme can best protect your property. Hiring an attorney can be helpful in this respect.

Read More →

What are the Michigan Bankruptcy Exemptions?

If you are considering filing bankruptcy in Michigan, you will probably have come across the terms federal bankruptcy exemptions and state exemptions. Many states in the US allow people to choose between the federal exemptions and state exemptions while others don’t. Michigan allows residents to choose between the federal bankruptcy exemptions and state exemptions. This is why you have more flexibility. However, keep in mind that you can’t protect property by using both sets of exemptions. You’ll have to pick the system that works best for you. A bankruptcy attorney can help you decide which exemptions are best for you. If you decide to use Michigan exemptions, then the federal nonbankruptcy exemptions will also be available to you. Spouses in Michigan who file a joint bankruptcy may double most, but not all, of the exemption amounts on the state exemption list. For example, Michigan spouses are restricted to one homestead exemption.

Read More →

What are the Virginia Bankruptcy Exemptions?

Exempt property, such as a car or trade implements, is free of the claims of your creditors and can’t be taken by your trustee to be liquidated. Laws in Virginia determine the types as well as the amount of exempt property. While the U.S. Bankruptcy Code applies in almost the same way throughout the country, there is one important exception you should be aware of; and that is the ability to protect your assets through bankruptcy exemptions. In many instances, the federal laws govern the bankruptcy process exclusively, but, in the context of bankruptcy exemptions, federal law allows each state to determine whether they would like to use the bankruptcy exemptions delineated under the federal law or create and use their own. Each state in the US has the choice of applying the federal bankruptcy exemptions or using their own list of asset values that will be protected or exempt from creditors in bankruptcy. While some states in the country allow people to choose between exemptions drafted by state lawmakers and federal exemptions, residents of Virginia who file for bankruptcy can only use the state exemptions expressly provided for in the state law. In Virginia, you are not permitted to use the federal bankruptcy exemptions. You can use Virginia’s state exemptions and, if applicable, the federal nonbankruptcy exemptions.

Read More →

What to do if you have to get something notarized for your bankruptcy case

While it’s not common in bankruptcy cases, there are occasions when a filer may be required to submit a document with a notarized signature. When a signature is notarized, the notary public has confirmed the identity of the person signing the document and made sure that the person is signing the document voluntarily. 

Read More →

What are the Illinois Bankruptcy Exemptions?

If you have done a bit of research on bankruptcy cases in Illinois or exempt property, you will probably have come across the terms federal bankruptcy exemptions and state exemptions. Many states in the US allow people to choose between the federal exemptions and state exemptions. However, you don’t have that option in Illinois. In Illinois, you are not permitted to use the federal bankruptcy exemptions if you’ve lived in the state for at least 2 years when you file bankruptcy. Fortunately, Illinois has generous bankruptcy exemptions that can protect your property.

Read More →

What are the Texas Bankruptcy Exemptions?

If you live in Texas, you are lucky. It is one of the best states in the US in which to file bankruptcy. Here is why you will benefit from filing bankruptcy in Texas. Some US states, including Texas, allow filers to choose between the federal bankruptcy exemptions and the state exemptions. However, it has to be one or the other—if you opt for the Texas state exemptions, you cannot cherry-pick specific exemptions off the federal bankruptcy exemptions, and vice versa.

Read More →

What are the Florida Bankruptcy Exemptions?

If you have done some research on bankruptcy cases or exempt property, you will probably have come across the terms federal bankruptcy exemptions and state exemptions. Although the federal Bankruptcy Code has a list of bankruptcy exemptions, these exemptions aren’t available in Florida. In Florida, you are not permitted to use the federal bankruptcy exemptions. Florida residents have to use the state exemptions. Also, you can use the federal nonbankruptcy exemptions contained in the federal law if you have any assets covered by them.

Read More →

What are the California Bankruptcy Exemptions?

If you are a California resident, you can’t protect your possessions, like bank deposits and commercial vehicles, under the Bankruptcy Code’s exemptions. So, Californians filing bankruptcy have to use California exemption law. Some states permit filers to choose between a set of federal bankruptcy exemptions and the state exemption system. However, California isn’t one of them. California is called an “opt-out” state, which means federal bankruptcy exemptions are not available to filers in the state.

Read More →

How to get debt relief without risking your safety

Filing for bankruptcy protection can be a powerful step towards not only financial freedom, but freedom from financial oppression. It is possible to get this relief without risking your or your children’s safety. This article is all about making sure that your abuser can’t use the bankruptcy court system to further victimize you. 

Read More →

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.

Read More →

Spending money before filing Chapter 7 bankruptcy

While it seems strange, sometimes folks in need of bankruptcy relief have money that they need to spend before their case can be filed to maximize their fresh start by getting set up in the best possible way. Even if you don’t have a bunch of money to spend before filing your case, it’s important to know what to avoid in the months leading up to your filing, so you don’t inadvertently make your case more complicated than it needs to be.

Read More →

How is a Chapter 13 Bankruptcy Discharge Different

Chapter 7 or Chapter 13 are the types of bankruptcy consumers typically use to get rid of unsecured debt such as credit card debt. However, both types of bankruptcy have potentially important differences with respect to what types of debt get discharged. A discharge is the final order from the bankruptcy court eliminating the filer’s obligation to pay their debts. Continue reading to learn more about the differences between a discharge in a Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Read More →

Filing bankruptcy while working in the gig economy

Are you part of the gig economy? Besides your regular job, are you also working with Uber, Lyft, Fiverr, or Task Rabbit? Even though you may be looking to make some extra money as a freelancer to pay down your credit card debt, that extra income could affect your bankruptcy case. Continue reading to learn how a bankruptcy case could be affected by income as a contract worker and what forms you’ll need to pay special attention to. 

Read More →

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.

Read More →

Why does the bankruptcy court need my social security number? 

Interestingly, there is nothing in the Bankruptcy Code itself that requires the filer to have a social security number. But, your social security number is how you obtain and maintain credit and how your tax filings and liabilities are tracked, so the bankruptcy court system uses it to keep track of bankruptcy cases. So, if you have a social security number, you have to provide it to the bankruptcy court.

Read More →

Cash Advances and Bankruptcy

A cash advance is exactly what it sounds like. Someone gives you cash, you pay it back. There are a variety of different forms of cash advances, but they all have this in common. You get cash in a certain amount. You pay it back with interest.  Getting a cash advance right before filing bankruptcy is a big red flag for a couple of reasons. This article explains how.

Read More →

I had a car accident after filing a Chapter 7 bankruptcy. What do I do now?

While a property settlement from the insurance company may have to be paid to the trustee, any personal injury settlement you’re entitled to as a result of the accident is yours to keep. This article will explore what steps to take if you get in a car accident after filing a Chapter 7 bankruptcy.

Read More →

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.

Read More →

What to do if I realized that the address for one of my creditors has changed since my case was filed?

If you notice that your creditor’s address has changed on a document/letter they sent to you regarding your bankruptcy, it’s likely that they’ve already provided their new/updated address to the court.

Read More →

What to do if I receive returned mail originally addressed to one of my creditors

If you receive a notice from the court in your bankruptcy case that was originally addressed to one of your creditors but returned to you, the creditor’s address may have been incorrect on your creditor’s matrix or changed after the case was filed.

Read More →

What to do if I receive a Notice of Undeliverable Mail from the court?

You’ll receive a Notice of Undeliverable Mail from the court if one (or more) notices to creditors were returned by the post office because their mailing address was incorrect. Typically, it includes instructions to add the new/updated mailing address directly on the form notice and send it back to the court.

Read More →

What are the Arizona Bankruptcy Exemptions?

Arizona has opted out of the federal bankruptcy exemptions. If you’ve lived in Arizona for at least 2 years when your bankruptcy is filed, you have to use the Arizona exemption laws. This article explores the exemptions available under Arizona law.

Read More →

What is an Adversary Proceeding in Bankruptcy?

An adversary proceeding is a like a lawsuit that takes place as part of the bankruptcy case. Adversary proceedings are generally the most complicated part of a bankruptcy proceeding, but they don't happen in every case.

Read More →

How to Amend your Statement of Intentions

The Statement of Intentions is the bankruptcy form that you filed with the court to let your creditors know what you want to do with your secured debts, most often a car loan. If you have changed your mind and need to amend (update) your Statement of Intentions, follow the steps outlined in this article.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

How to find the right bankruptcy lawyer for your case

In this article, we'll explore whether you need an attorney to file bankruptcy, how you can make sure you hire the bankruptcy attorney that is right for you, and what kind of resources are available to find a bankruptcy lawyer near you. Learn how to choose the right bankrutpcy lawyer for your situation based on what matters most!

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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!

Read More →

Can I fire my bankruptcy lawyer?

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

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

I had my 341 meeting. Now what?

In the vast majority of Chapter 7 cases filed by consumers, not much will happen after the 341 meeting is concluded. In fact, in the time between your 341 meeting and the discharge, no news is often good news. Nevertheless, protect your own rights by carefully reviewing any correspondence you receive from the court or your trustee during that time.

Read More →

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.  

Read More →

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.

Read More →

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"). 

Read More →

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. 

Read More →

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. 

Read More →

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.

Read More →

How to add a creditor after filing my forms?

What follows is a step by step guide on how to add a creditor after filing bankruptcy. The process for this is often very specific and differs from district to district, but there are some things that are the same across the board. If you're an Upsolve user, you can use the case editor and the self-service amendment feature to update your forms.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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 by yourself without the help of an attorney. If you can't afford an attorney, but don't want to go through the process on your own, Upsolve may be able to help!

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

How Do I Find an Affordable Bankruptcy Attorney?

Are you searching for an affordable bankruptcy attorney but having trouble finding an attorney you can afford? If so, Upsolve may be able to help. We assist users who cannot afford an attorney file for debt relief under Chapter 7.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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. 

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

Read More →

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.

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 →

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.

Read More →

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.

Close

Considering Bankruptcy?

Are you interested in our free self-service bankruptcy app or a free evaluation with a paid attorney?

Get Your Fresh Start