Upsolve

Read about Upsolve and its work in the community.

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.

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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.

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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.

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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.

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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.

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Provide free evaluations to bankruptcy leads for Chapter 7 and Chapter 13 bankruptcy

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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What is Upsolve's Contact Information?

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?

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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What are our limits?

During our first three years at Upsolve, we had to answer a hard question: who is Upsolve for?

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Legal Aid partnering with Upsolve

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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How to Break into Legal Tech as a Law Student

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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How to File Chapter 7 with No Money?

Upsolve can help you file Chapter 7 bankruptcy with no money down if you qualify.

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How is Upsolve free?

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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Can Upsolve help me with my emergency filing?

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 can I schedule a meeting with Upsolve?

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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I haven’t heard from anyone for a bit. What should I do?

First, make sure you completed the questionnaire, document upload, and credit counseling. If not, finish those. 

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Is Upsolve my lawyer?

No. Upsolve is not your lawyer. Upsolve does not provide legal advice in anyway. You are representing yourself. This is called being pro se.  

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Can I mention the Upsolve website to my trustee?

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

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Can non-government private student loans get discharged?

Unfortunately, Upsolve is not a good fit for anyone trying to discharge student loans. We suggest you contact an attorney.

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Is Upsolve real? Is this a legitimate service?

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 bankruptc

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I’m being evicted. Can Upsolve help?

It depends. If your landlord already has won an eviction judgment against you, you have a complicated case that isn’t a good fit for Upsolve. If your landlord is only in the process of suing for eviction, you can use Upsolve.

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Is Upsolve a petition preparer?

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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Do I meet with an attorney?

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

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Can I meet the Upsolve team in person?

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

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Can I have longer than 5 days?

Yes. Everyone has unlimited time to use Upsolve. We just say "5 days" so that you are more motivated to get all of your ducks in order before filing.

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How do I know if I qualify for Upsolve?

Click "See If You Qualify" at [upsolve.org](https://upsolve.org "upsolve.org") and take our online screener. You'll see quickly if you make our income cutoffs and if you're in the states where we operate. 

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Do you do things other than bankruptcy?

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

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Does this cost money?

No. Upsolve is totally free. 

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I need more than 5 days.

No problem. We just have the 5 day limit to encourage people to move faster. In reality you can take as long as you want and we'll be here for you. 

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Is Upsolve my lawyer?

Upsolve is not your lawyer. A lawyer will review your case to make sure that it's ready to be filed with the court. But this lawyer is not technically "your lawyer" in the eyes of the court. You are filing for bankruptcy on your own. 

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Do you handle adversarial proceedings?

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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Will we have to pay a lawyer?

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

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Can I file bankruptcy with my spouse through Upsolve?

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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Can Upsolve help me file for an adversary proceeding?

*__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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Is Upsolve free?

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

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Where can I take the first credit counseling course?

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

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I own a mobile home/manufactured home. Can Upsolve help me?

Unfortunately, Upsolve is unable to help homeowners and owners of mobile homes or manufactured homes at this time.

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Can Upsolve help me get my student loans discharged?

__*Unfortunately, No.*__ Upsolve can help debtors file for Chapter 7 bankruptcy but we are unable to help debtors prove undue hardship. Your best option is to hire a lawyer or see if your state provides free legal services by calling 311 or finding [your state's website](https://www.lsc.gov/what-legal-aid/find-legal-aid "your state's website"). 

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Can Upsolve help me get my student loans discharged?

Unfortunately, No. Upsolve can help debtors file for Chapter 7 bankruptcy but we are unable to help debtors prove undue hardship. Your best option is to hire a lawyer or see if your state provides free legal services by calling 311 or finding your state's website here. 

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Starting Social Enterprises in College: A Playbook

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

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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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.