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
$1,289,105,800
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.
amazing job and the service is the most simple and easy to use ive seen nothing about it was hard the help bot also comes in handy recommend it 100 percent.
Upsolve is the best !!! They provided everything needed and made the process so smooth! God bless this company !
Quick, easy to understand, the platform is very user friendly.
I was afraid I didn’t know what to do but Upsolve was easy to understand and took less effort than I thought. Smooth process!
UPSOLVE was so very helpful during the process of filing my Chapter 7 bankruptcy. If you have doubts or need to file go to their website and check out the knowledge they provide.
They were so helpful and double-checking everything before I filed. I really appreciate this business for assisting us who can’t afford it. .
upsolve has been a great supporter in helping me get back on track. If you are competent enough these guys are your go to.
Made this process super straightforward! Thank you!
I used UPSOLVE to clear my debts and potential lawsuits. It was smooth and professional. Highly recommend if you can't pay for representation!
I haven’t been discharged as of yet. I just filed today. But the process of our has been seamless and Upsolve has been very helpful in this stressful process.
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.