Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 28,000 Americans
who eliminated $1.2 billion of debt
"The TurboTax for Bankruptcy" — The New York Times
You could be debt-free in as soon as 4 months.
You could be debt-free in as soon as 4 months.
1.
Take our screener to see if Upsolve is right for you: 2 minutes
2.
Fill out our questionnaire about your financial situation: a few hours
3.
We double-check your forms for completeness and accuracy: 1-2 weeks
4.
File your forms at your local court: 1 afternoon
5.
Work with the court and get your discharge: 2-3 months
Total debt relieved since 2018
$1,280,073,713
Why Trust Upsolve?
You're in control: We explain exactly what info you need for your forms, and why. You're in full control of your information at every step of the way.
Privacy: We keep your data safe and secure. It only leaves our servers when you print out your forms.
Affordability: Upsolve is a nonprofit, and our tools are 100% free.
Saved me 2,400
The process takes time and patience. It's a good thing to have a organization, that can assist you with filing bankruptcy for the first time. Don't wanna forget, chatgpt.com was another thing that helped me file and understand ... Read More
I had a great experience using Upsolve to file my Chapter 7 bankruptcy. The forms were very easy to understand and fill out, and the process was straightforward. I really appreciated how simple they made what could otherwise fe... Read More
Upsolve made my bankruptcy process very easy in regard to preparing my petition. I thank God for this company.
I was so nervous but, Upsolve made all the forms so simple to fill out. Even when I had questions they always answered within a short amount of time, usually within 24 hours. They even set you up with a free consultation with a... Read More
Thanks for your platform I will now in the future be financially stable with a fresh start.
Upsolve not only helped me prepare my bankruptcy petition, but they helped me have a better understanding of what I was doing, what I needed to do, and made me feel much more confident in the process. They provided me with step... Read More
I had thought about filing bankruptcy for a while but I just didn’t have the money to hire a lawyer to do it. Found Upsolve on the internet, and they made the entire process simple and easy. All I had to do was answer a few q... Read More
I wasn't able to file with out the help of up solve on my own. I appreciate them. An if your having problems with your your credit. Give up solve a chance. They care !
Definitely recommend using upsolve it was easy and now I can get me life back on track, with a clean slate.
Is Upsolve Right for You?
Chapter 7 bankruptcy is a legal process that everyday people use to clear certain debts and get a financial fresh start.
Like everything, filing Chapter 7 bankruptcy has its pros and cons. The main pros are that collection calls and other actions (including wage garnishment) must stop and, if your case is successful, you will get a financial fresh start by wiping out (most of) your debt for good. The biggest cons are that you cannot get rid of some debts in Chapter 7 and your credit score can take a temporary hit.
To file Chapter 7 bankruptcy yourself, without hiring an expensive lawyer, follow our 10-step guide or start our screener to see if you qualify for help.
To be eligible for Chapter 7, you will need to pass the means test. This looks at your income and expenses to determine whether you have the means or ability to repay your debt. If you make too little to repay your debt, you pass the means test and are eligible to file Chapter 7.
There are four main types of costs associated with filing bankruptcy:
Court filing fees, which are $338 for Chapter 7 (you can apply for a waiver of these fees).
Credit counseling course fees, which can range from $0-$50 (you can apply to waive these fees).
Miscellaneous costs such as printing, traveling to the court, etc.
Attorney fees, which can range from $1,000-$1,500 or more, depending on the complexity of your case and where you live.
The good news is that you do not have to hire a lawyer to file successfully. Upsolve may be able to help you file Chapter 7 bankruptcy for free.