Why doesn't my car appear on my exemptions list?

3,327 families filed bankruptcy using Upsolve.

Written by Kristin Turner.  
Updated May 16, 2019

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There are a few reasons that your car(s) might not be listed on your exemptions list:

  1. You are leasing the car and so do not "own" any equity that needs to be protected from a trustee. You will be able to keep the car as long as your lease-holder allows you to assume it after your bankruptcy.

  2. You owe more than the car is worth and so do not "own" any equity that needs to be protected from a trustee. You will be able to reaffirm, redeem, or surrender the car without using any of your exemption balance. 

  3. You have already used all of the eligible exemptions to cover other cars and/or related items and so cannot protect this particular vehicle. If this is the case, we will let you know so that you know what to expect.

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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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