Help with Bankruptcy

3,278 families filed bankruptcy using Upsolve.

Written by Rohan Pavuluri.  
Updated July 6, 2019

A nonprofit web app that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,194 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

It’s an incredibly tough spot to find oneself in - facing debts and financial obligations that one can’t meet. However it’s not uncommon and everyone has the right not to let debt control their life. That’s why filing for chapter 7 can be the responsible thing to do for yourself and also your future financial standing. But where does one start?

Should I File for Bankruptcy?

The reasons for filing chapter 7 can vary from individual to individual. Whether due to illness, divorce, or unemployment, the common thread is having more debt than money to cover those financial obligations. If you’re like so many American who are being held down by debt with no way out, then chapter 7 may be for you and seeking help with bankruptcy options is worth pursuing.

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Fresh Start Diaries
"I'm going to be honest with you, pre-bankruptcy my credit score went down to a 543. My score today is a 720. With the help of Upsolve, I feel free again. I have the ability to build myself into something new."
I filed with Upsolve. Read my story →

If I Choose To File Chapter 7 Where Do I Start?

There are several key steps you’ll need to take for bankruptcy filing like collecting all relevant documents (pay stubs, collection letters, etc) as well as taking credit counseling. But in addition to these you’ll need to take the Bankruptcy Means Test. 

When offering initial help with bankruptcy we always recommend taking the means test. This is an assessment which will determine if you are eligible to file for bankruptcy. Essentially, the means test compares your household income with the median household income of your state. From there, it must be determined if your household income is greater than the appropriate income limits. In addition to that, the means test determines if your household income is enough on its own to meet your absolutely necessary living expenses.

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What If I Don't Qualify for Chapter 7?

While this does mean that clear debt relief is no longer an option through bankruptcy, there are still measures you can take. For instances you can leverage your state's anti-harassment laws to reduce the psychological stress from debtors. You also may have options to negotiate better terms with your collectors.

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Bankruptcy Help From Upsolve

We offer free bankruptcy to all those who qualify because we believe the bankruptcy process as straightforward and easy as possible because we believe that everyone deserves a second chance. If you find that you may not be income-eligible for our free bankruptcy services, we can still connect you with a paid bankruptcy attorney. This individual will conduct a free consultation in order to determine next action steps. Regardless of your specific situation, you don't have to deal with bankruptcy by yourself.

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It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:
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Free Web App

Take our bankruptcy screener to see if you're a fit for Upsolve's free web app!

3,278 families filed with Upsolve ☆
OR

Private Attorney

Get a free bankruptcy evaluation from an independent local law firm.

Questions about bankruptcy?

Research and understand your options with our articles and guides.

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Questions about Upsolve?

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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.

Upsolve is not a law firm or a substitute for an attorney or law firm. Upsolve provides an online web app that helps you file for bankruptcy for free on your own, if you have a simple case and pass our eligibility criteria. We do not provide any form of legal advice and absolutely no communication between you and Upsolve should be considered legal advice. If you do not qualify for our free web app or you do not want to use it, we provide access to private independent attorneys at your specific direction. By using Upsolve, you do not enter any form of attorney-client relationship with Upsolve. Your access to the website is subject to our Terms of Use.
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