What type of debt can I erase in Chapter 7 bankruptcy?

Successful debtor 1
successful debtor 2
Successful debtor 3
Successful debtor 4
Successful debtor 5
1,603 families filed bankruptcy using Upsolve.

A nonprofit that helps you file bankruptcy for free.
  • We've helped over 1,000 families each clear on average $52,638 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

Most debts can be erased in Chapter 7 bankruptcy, including:

  • Credit card debt

  • Medical debt

  • Most judgments from collection lawsuits

  • Personal loans

  • Utilities bills

  • Phone bills

But you cannot erase the following debt in Chapter 7 bankruptcy:

  • Secured debt like a home mortgage

  • Most student loans

  • Taxes from the last 3 years

  • Alimony or child support

  • Personal injury you caused while drinking

  • Money you owe the government

  • Court fines and penalties

Kisha smilingAnne smilingPatricia smiling

Hundreds got a fresh start! So can you!

I prefer one-on-one assistance

Questions about bankruptcy?

Research and understand your options with our articles and guides.

Go to Learning Center →

Questions about Upsolve?

Read Support Articles →

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.

Close

Considering Bankruptcy?

Upsolve helps low-income Americans file bankruptcy on their own for free. Are you interested in our free service or would you like a free consultation with a paid attorney?

Need bankruptcy help?