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Questions about Upsolve

Learn about Upsolve, America’s #1 free bankruptcy tool.

Upsolve helps you get a fresh start for free through bankruptcy. Our free web tool helps you generate your bankruptcy forms in three hours. Since 2016, we have helped more than 3,000 families erase their debt and get a fresh start. Learn more about our nonprofit and what we do.

This page is your home base for answering your questions about Upsolve.

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Starting Social Enterprises in College: A Playbook

Written by Rohan Pavuluri
Updated September 14, 2020

This guide aims to provide that tactical advice for college students, focusing on the really unique advantage we have of still being in school. This guide also has a social bent, as I had the chance to talk with countless social entrepreneurs during the course of writing it.

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Why you Should Consider Nontraditional Summer Opportunities

Written by Rohan Pavuluri
Updated July 22, 2020

Optionality is a dangerous drug. The risk of closing down a door you’ll likely never walk through is the price of discovering something you love.

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Can Upsolve help me get my student loans discharged?

Written by Kristin Turner, Harvard Law Grad
Updated October 16, 2020

Unfortunately, no. Upsolve's free tool helps you file bankruptcy on your own but it can't help you discharge a student loan.

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Can I file bankruptcy with my spouse through Upsolve?

Written by Attorney Jonathan Petts
Updated July 22, 2020

Unfortunately, due to limitations in our software, Upsolve cannot assist couples with a joint filing. But, you can use Upsolve to file a Chapter 7 bankruptcy without your spouse.

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Is Upsolve free?

Written by Attorney Jonathan Petts
Updated July 22, 2020

Yes, Upsolve is 100% free to use. We're a nonprofit funded by the government and charities.

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Can Upsolve help me file for an adversary proceeding?

Written by Attorney Jonathan Petts
Updated July 22, 2020

*__Unfortunately, No__*. Upsolve can help debtors file for Chapter 7 bankruptcy but we are unable to help debtors with adversary proceedings or other related filings.

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How many steps are there from start to finish before I file?

Written by Kristin Turner, Harvard Law Grad
Updated July 22, 2020

There are six pre-filing steps, and we will guide you every step of the way.

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Do I meet with an attorney?

Written by Attorney Jonathan Petts
Updated July 22, 2020

No. Upsolve is a free online self-service software tool for people to file bankruptcy on their own.

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Can you help me if I'm not computer literate?

Written by Attorney Jonathan Petts
Updated July 22, 2020

Unfortunately, we cannot help you if you're not computer literate. Please try going to your local legal aid. 

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I already took my credit counseling course.

Written by Attorney Jonathan Petts
Updated July 22, 2020

That's great! Just upload your certificate when we ask for it after the questionnaire.

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Is Upsolve a petition preparer?

Written by Attorney Jonathan Petts
Updated July 22, 2020

No. Upsolve is a non-profit that provides a free self-service software tool for low-income Americans filing Chapter 7 bankruptcy without an attorney. Upsolve is not a bankruptcy petition preparer.

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Is Upsolve my lawyer?

Written by Attorney Jonathan Petts
Updated October 20, 2020

Upsolve is not your lawyer. Upsolve does not provide legal advice in anyway. You are filing for bankruptcy on your own.

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Does this cost money?

Written by Attorney Jonathan Petts
Updated August 7, 2020

No. Upsolve is totally free. 

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Do you do things other than bankruptcy?

Written by Attorney Jonathan Petts
Updated July 22, 2020

No. Upsolve does not assist with anything other than Chapter 7 bankruptcy. 

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Will we have to pay a lawyer?

Written by Attorney Jonathan Petts
Updated July 22, 2020

No. If you use Upsolve, you will not have to pay any lawyer anything to file for bankruptcy. 

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Can I meet the Upsolve team in person?

Written by Attorney Jonathan Petts
Updated July 22, 2020

We have thousands of debtors who rely on us each year. For this reason, we only provide email support.

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Do you handle adversarial proceedings?

Written by Attorney Jonathan Petts
Updated July 22, 2020

If you use Upsolve to file your bankruptcy and you need help in an adversarial proceeding, we will do our best to find you a pro bono attorney to help you.

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Do you do Chapter 13?

Written by Attorney Jonathan Petts
Updated July 22, 2020

No, Upsolve does not do Chapter 13 bankruptcies. 

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Is Upsolve real? Is this a legitimate service?

Written by Attorney Andrea Wimmer
Updated October 20, 2020

Yes! Upsolve is 100% a legitimate service! We are a small mission-driven team of dedicated individuals, focused on a single goal: Helping low-income Americans struggling with too much debt get a fresh start by filing a Chapter 7 bankruptcy.

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How can I schedule a meeting with Upsolve?

Written by Kristin Turner, Harvard Law Grad
Updated July 22, 2020

Unfortunately, we do not schedule meetings with our users. We wish we could. We love our users. But sadly, we don't do calls or live chats. We get 100+ inquiries a day, so we don't have the resources as a cash-strapped nonprofit.

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Can I mention the Upsolve website to my trustee?

Written by Kristin Turner, Harvard Law Grad
Updated September 17, 2020

Yes. You should always be truthful. Make sure to mention that Upsolve is a legal aid nonprofit that charges nothing. 

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Can Upsolve help me with my emergency filing?

Written by Upsolve Team
Updated July 22, 2020

Due to court filing deadlines and the high volume of users Upsolve may not be able to accommodate a quick petition turnaround time so we cannot assist those that have filed an emergency filing.

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How is Upsolve free?

Written by Rohan Pavuluri
Updated April 8, 2022

Transparency is one of our nonprofit’s core values. That’s why it’s important to us that you know how Upsolve stays free, how we spend our money, and who owns Upsolve.

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How to Break into Legal Tech as a Law Student

Written by Attorney Jonathan Petts
Updated September 10, 2020

In 2018, venture capitalist invested over $1 billion into legal tech. There's never been a better time to think about finding a job at the intersection of tech and law.

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Legal Aid partnering with Upsolve

Written by Rohan Pavuluri
Updated September 13, 2022

Screen individual who calls for the following ten criteria. If they pass, let them know they can go to Upsolve.org to produce their paperwork and file their forms. If you have attorney resources, you can let the individual know that after they’re done preparing their forms with Upsolve, they can come back to you to get the forms reviewed.

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Why does Upsolve believe in earning revenue?

Written by Rohan Pavuluri
Updated August 1, 2020

Earning revenue makes Upsolve a more sustainable, effective, and impactful nonprofit.

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What are our limits?

Written by Rohan Pavuluri
Updated October 20, 2020

To determine if someone is a good fit for Upsolve, we ask hundreds of questions. If someone isn't a good fit for our free tool based on their answers, we let them know.

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What is Upsolve's Contact Information?

Written by the Upsolve Team
Updated August 16, 2020

As a small nonprofit we sadly don't have the resources to be able to provide phone or other live support. If you are a current user and need to get in touch with us, please please visit help.upsolve.org and use the "Submit a Request" feature in the top right corner to send us a message and someone will get back to you as soon as possible. If you have general questions about filing bankruptcy, feel free to visit our Learning Center any time to find out more about the process and what to expect.

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Is Upsolve the same as DebtorCC?

Written by the Upsolve Team
Updated July 22, 2020

No, Upsolve is not the same as DebtorCC. Upsolve is a legal aid nonprofit that helps low-income Americans get Chapter 7 bankruptcy relief without an attorney. DebtorCC is a government approved credit counseling company that offers the required pre- and post-filing bankruptcy courses to folks in all 50 states.

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Provide free evaluations to people who need help

Written by the Upsolve Team
Updated October 2, 2020

If you’re an experienced bankruptcy attorney who provides affordable assistance and has a pristine record with your State Bar Association, we invite you to reach out to us.

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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.