Upsolve's helped families clear $179,528,611.74 of debt

If a creditor was charged off, do I still need to list them?

3,334 families filed bankruptcy using Upsolve.

Written by Kristin Turner.  
Updated May 16, 2019

A nonprofit web app that helps you file bankruptcy for free.
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  • Our users often file within 10 days of starting.
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Yes, you need to list them. A debt being charged off by the creditor does not mean that you don’t owe it anymore; it only means that the creditor has decided the debt is uncollectible for accounting purposes.

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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.

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