How Do I Find an Affordable Bankruptcy Attorney?

3,373 families filed bankruptcy using Upsolve.

Written by Jonathan Petts, Esq.  
Updated October 4, 2019

A nonprofit web app that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,509 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

How Do I Find An Affordable Bankruptcy Attorney?

If you are struggling to pay back your debts and living expenses, you may be searching for an affordable bankruptcy attorney. However, if you are having trouble paying an affordable bankruptcy attorney, you are not alone. Many people have a difficult time affording the fees charged by bankruptcy attorneys.

Even an affordable bankruptcy attorney can cost between $1,200 to $2,500. For some people, it is impossible to pay this much money to hire an affordable bankruptcy attorney.

The good news is that if you do not think that you can hire an affordable bankruptcy attorney because the attorney fees are too expensive, you have other options for debt relief.

What are Some Options for Hiring an Affordable Bankruptcy Attorney?

Some of your friends or family members may offer to loan you the money to hire an affordable bankruptcy attorney. This offer is wonderful, but make sure that your friend or family members know that you cannot repay the money until after your bankruptcy case is closed.

You can also stop paying your unsecured debts that will be discharged in a bankruptcy case and use that money to pay an affordable bankruptcy attorney. However, your creditors could file a debt collection action to seek a judgment and wage garnishment. In addition, additional late payments will lower your credit score even further.

Find an affordable bankruptcy attorney who agrees to accept payments while agreeing to handle creditor calls for you while you pay the attorney fee.

Another option is to seek assistance from a local legal aid organization that will represent you in your Chapter 7 bankruptcy case.

You also have the choice of filing for Chapter 7 bankruptcy relief without an attorney if you cannot afford an affordable bankruptcy attorney. The Bankruptcy Code does not prohibit you from filing for bankruptcy without a lawyer.

If you are exploring filing for bankruptcy relief without a lawyer, we encourage you to see if you are eligible to start Upsolve's free bankruptcy process. We are a nonprofit organization that provides bankruptcy services to low-income households throughout the United States. Our services are provided to users at no cost to the user.

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"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."
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Filing a Chapter 7 Bankruptcy Case Without An Attorney

If you cannot find an affordable bankruptcy attorney that you can hire to file your Chapter 7 case, Upsolve, a Harvard Law School-grown nonprofit, might be able to help. If you do not believe us, check out these video testimonials from past users.

Our past users explain how the process works and how filing Chapter 7 without an affordable bankruptcy attorney helped them get the fresh start they needed. You can join the thousands of people who have used Upsolve to file Chapter 7 to get rid of debts they could not repay.

What is Your First Step?

If you cannot pay an affordable attorney to file your Chapter 7, your first step is to determine if you qualify to file a Chapter 7 case. Our system takes you through the process of completing the Chapter 7 means test to determine if your income is below the median level to file for Chapter 7 relief.

Provided that you pass the Means Test, we take you through the various steps of filing a Chapter 7 bankruptcy case including:

In a typical no-asset Chapter 7 case, you can complete the bankruptcy case and receive your bankruptcy discharge within four to six months after filing your Chapter 7 bankruptcy petition.

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Get Started Now!

If you are ready to get out of debt, Upsolve is ready to help. Take the first step on the road to a debt-free life by taking our screener to see if you are eligible.

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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

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Private Attorney

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Questions about bankruptcy?

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Questions about Upsolve?

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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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