Eliminate Your Debt
With Bankruptcy
Our nonprofit prepares your forms, for free.
Join 27,000 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
$1,226,799,952
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.
LIFESAVER. If you're filing pro-se because you don't have money for a lawyer, they will save you countless hours of frustration. They streamline the process (a baffling, kafkaesque process for most people who aren't lawyers) so... Read More
Easy and painless.
Unsolve thank you guys some much,for step by step direction and patience 🙏.
I'm so grateful to Upsolve the process was seamless, easy to understand, especially for someone who is dyslexic. I appreciated all the warnings about what to do and NOT do. I am not missing anything regarding my paperwork that ... Read More
Very fast and easy. Especially if you have your information available beforehand!
I was lost and thought there’s no way I could file bankruptcy by myself without having to pay massive lawyer fees and then on a post I saw about bankruptcy. Someone left a message that said try Upsolve And it was the best thin... Read More
I'm so grateful this FREE service exists!
100% great experience. I would recommend them to everybody
Made a hard, stressful, confusing thing easier!
I am Soooooo thankful I found Upsolve. They made it easy to file for bankruptcy. They go step by step, so you're not overwhelmed or confused. I am on to a new beginning because of Upsolve. I definitely would recommend if you're... Read More
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.