Andrea was a practicing bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years. While in private practice, Andrea handled all bankruptcy matters from inception to case closure while also acting as managing attorney for her firm, Marco | Wimmer PLLC. Andrea has been a speaker at, among other events, ABI’s Southwest Bankruptcy Conference, Norton’s Bankruptcy Institute and the Arizona State Bar Convention. In 2017, she was selected as one of ABI's 40 under 40 honorees. She is a member of the National Conference of Bankruptcy Judge’s NextGen Class of 2016, and she received the 2014 Member of the Year Award and a Special Appreciation Award from a local consumer attorney group, as well as a Distinguished Service Award from ABAIC. She has published in NACBA’s Consumer Bankruptcy Journal and the State Bar of Arizona Bankruptcy Section Journal, and has served as treasurer of the Arizona Consumer Bankruptcy Counsel. She has also been a volunteer attorney with the Arizona Bankruptcy Court’s Self-Help Center, which provides assistance to pro se debtors.
Articles written by Attorney Andrea Wimmer
How Much Does Bankruptcy Cost?
Written by Attorney Jenni Klock Morel. Legally reviewed by Attorney Andrea Wimmer
Updated January 5, 2026
If you're able to file on your own and get fee waivers, filing bankruptcy can be free. Without waivers, it can cost as little as $400 to file for bankruptcy or up to as much as $3,000 or more if you hire a bankruptcy lawyer. Bankruptcy costs include court filing fees, credit counseling course fees, and attorney fees if you hire a bankruptcy lawyer. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or Chapter 13 bankruptcy.
Read More →What Are the Chapter 7 Bankruptcy Income Limits?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated December 15, 2025
There’s no single income limit for filing Chapter 7 bankruptcy. Instead, the court compares your average monthly income over the past six months to the median income for your household size in your state. If your income is below that median, you likely qualify based on income alone. If your income is higher, you may still qualify by showing that your necessary expenses leave little to no disposable income. These income limits exist to make sure Chapter 7 is used by people who truly can’t afford to repay their debts.
Read More →How To File Chapter 7 Bankruptcy for Free: A 10-Step Guide
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 14, 2026
Chapter 7 bankruptcy is a powerful debt relief tool. More than 356,000 people filed Chapter 7 to get a fresh start last year (2025), according to US Courts data. It's a lifeline for those who are drowning in debt and can't see a way out. Though bankruptcy requires a lot of paperwork and documentation, many people with simple cases file successfully on their own without a lawyer. We outline the steps to file your case successfully.
Read More →What Are Florida's Bankruptcy Exemptions?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated September 16, 2025
If you’ve been a Florida resident for at least two years and you file Chapter 7 bankruptcy, you’ll need to use the state’s exemptions to protect your property. Exemptions are laws that outline how much of different kinds of property are protected when you file a bankruptcy case. Most filers see that all their property is protected. In Florida, the homestead exemption protects all the equity you have in your home, given you meet a few criteria. The motor vehicle exemption is $5,000, and if you don’t use the homestead exemption, you can apply the $4,000 wildcard exemption to your vehicle (or any other property) as well.
Read More →Chapter 7 Means Test Calculator
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 22, 2025
If you're thinking about filing Chapter 7 bankruptcy, one of the first steps is taking the "means test." This test helps figure out whether you qualify based on your income and expenses. The idea behind it is simple: If you can afford to pay back some of your debts, the law may not allow you to wipe them out through Chapter 7. But if your income is low enough — or your necessary expenses are high — you may still qualify. The test has two main parts. First, you'll compare your income to the median income in your state. If your income is below the limit, you're done — you qualify. If it's above, you'll move on to a second part that looks more closely at your expenses to see how much money you really have left over.
Read More →Chapter 7 Bankruptcy Forms Explained: A Simple Guide To Get Started
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 12, 2025
Filing for Chapter 7 bankruptcy requires completing a packet of 23 official forms, including a voluntary petition, schedules, and financial statements. Together, these forms make up what’s commonly called your bankruptcy petition. Each form serves a specific purpose, such as listing your debts, assets, income, and expenses. While it might seem like a lot, most of the information comes from documents you already have.
Read More →How To Take the Pre-Bankruptcy Credit Counseling Course for Free
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2026
Before you can file for bankruptcy, you must complete a credit counseling course from an approved provider. The course usually costs $10–$50, but many people qualify to take it for free with a fee waiver based on income. You can request a fee waiver when you sign up by asking the agency if it’s available. If approved, you can complete the course at no cost and receive your required certificate.
Read More →Can I File Bankruptcy Even Though I’m Unemployed?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated September 8, 2025
You can file Chapter 7 bankruptcy even if you're unemployed or have no income — and many people do. Unemployment benefits usually won’t disqualify you, and some costs, like court fees, may be waived if your income is low enough. Filing triggers an automatic stay that can protect you from wage garnishment and collection calls while you focus on getting back on your feet. Timing matters, though — filing too soon could leave you with new debt you can’t discharge later.
Read More →Are Bankruptcies Public Record?
Written by Lawyer John Coble. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2026
Bankruptcy cases are part of the public record. That means court filings can be viewed by others, usually through the federal PACER (Public Access to Court Electronic Records) system. Though records are public, certain personal details — like your SSN — are removed or shortened to protect your privacy. Most people don’t go searching through bankruptcy records. But creditors, lenders, landlords, and background check companies can access them if they choose to.
Read More →How Do I Add a Creditor After I've Filed My Forms?
Written by Ben Jackson. Legally reviewed by Jonathan Petts
Updated August 12, 2025
What follows is a step by step guide on how to add a creditor after filing bankruptcy. The process for this is often very specific and differs from district to district, but there are some things that are the same across the board. If you're an Upsolve user, you can use the case editor and the self-service amendment feature to update your forms.
Read More →How To Fight Student Loan Debt in Bankruptcy: Adversary Proceedings Explained
Written by Ben Jackson. Legally reviewed by Jonathan Petts
Updated August 27, 2025
If you want to get your federal student loan debt discharged as part of your bankruptcy case, you’ll need to file an adversary proceeding (AP). An AP is a legal process used in bankruptcy court to resolve specific issues or disputes that arise during a bankruptcy case. Due to changes in late 2022, APs for federal student loan discharge may look different than other APs. Under the 2022 guidance, discharge proceedings are meant to be simpler and more efficient for bankruptcy filers. If you’re filing an adversary proceeding to discharge federal student loans, you may be able to handle it yourself, without hiring an attorney. This article explains how APs work for bankruptcy filers seeking to discharge student loan debt through bankruptcy.
Read More →The Complete Guide To Understanding Chapter 7 Bankruptcy
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated January 14, 2026
Chapter 7 bankruptcy helps people erase certain debts they can’t afford to pay, like credit card balances and medical bills. It’s the most common type of bankruptcy and offers fast relief, often wrapping up in 3–6 months. To qualify, you’ll need to meet income guidelines and complete a short course. While not all debts can be wiped out, many people keep all of their property and feel immediate relief from collection efforts.
Read More →What Are the Arizona Bankruptcy Exemptions?
Written by Ben Jackson. Legally reviewed by Jonathan Petts
Updated May 27, 2025
Exemptions help you protect your property and assets in bankruptcy. There are both state and federal exemptions, but Arizona has opted out of the federal bankruptcy exemptions. That means, if you’ve lived in Arizona for at least two years when you file your bankruptcy case, you have to use Arizona's exemption laws. Arizona has a generous homestead exemption of $250,000. The motor vehicle exemption is $15,000 for single filers (or $25,000 if you or a dependent is disabled). Arizona does not have a wildcard exemption.
Read More →Is Upsolve real? Is this a legitimate service?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 22, 2020
Yes! Upsolve is 100% a legitimate service! We are a small mission-driven team of dedicated individuals, focused on a single goal: Helping low-income Americans struggling with too much debt get a fresh start by filing a Chapter 7 bankruptcy.
Read More →What Is the Chapter 7 Bankruptcy Timeline?
Written by Kristin Turner, Harvard Law Grad. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2025
Chapter 7 bankruptcy typically takes 4–6 months, with key milestones along the way. It’s an effective form of debt relief that can wipe out unsecured debts like credit card debt and medical bills. This article overviews what to expect as you prepare for your Chapter 7 case and what happens after you file bankruptcy.
Read More →Discharge vs. Dismissal: What's the Difference?
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 13, 2025
When filing bankruptcy for the first time, many people get confused about the different terms lawyers and courts use. Two words that frequently confuse first-time filers are “dismissed” and “discharged.” This article explains each term, what the differences are, and when lawyers and the court are most likely to use them when referring to your case.
Read More →How Much Debt Do I Need To File for Chapter 7 Bankruptcy?
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated February 25, 2025
There’s no minimum or maximum debt required to file Chapter 7 bankruptcy — eligibility is based on your financial situation. However, for Chapter 13, your total debts must be less than $2,750,000, according to U.S. Courts.
Read More →Using the National Student Loan Data System (NSLDS) To Get Your Federal Student Loan Information
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated June 24, 2025
You can find all of the info you need to know for your federal student loans in the National Student Loan Data System. This central database contains all of the information you will need to understand your federal student loans including: your loan balance, due dates, eligibility for new loans, and more. If you need to download an NSLDS report, log in to your account on studentaid.gov using your FSA ID and password. Once you're in your account, hover over your name on the top right of the screen and select "My Aid." From there, you can select "Download My Aid Data." Your data will be downloaded as a .txt file.
Read More →How Does Secured Debt Work?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 21, 2025
Secured debt is a loan backed by collateral, like a house or car, which the lender can take if payments aren’t made. Because the lender’s risk is lower, secured loans often come with easier approval and lower interest rates compared to unsecured debt. While this makes them a useful tool for big purchases or debt consolidation, the trade-off is the risk of losing the property if you fall behind. In bankruptcy, secured debt is treated differently than unsecured debt, and borrowers must decide whether to keep paying for the property or surrender it to the lender.
Read More →PACER Guide: How To Get Your Court Notices Without an Attorney
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated August 27, 2025
PACER stands for Public Access to Court Electronic Records. It’s a system to access case information, the docket, and the documents filed in a particular case electronically.
Read More →Can I Discharge Private Student Loans in Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 13, 2025
In rare cases, filing bankruptcy can help you get rid of private student loans, but they are much harder to get rid of than other kinds of debts like credit card debt or medical bills. To have your private student loans discharged you will need to prove that your loan was a qualified education loan and that paying off the loan would cause you “undue hardship.” You prove undue hardship as part of an adversary proceeding. This is an additional proceeding on top of your bankruptcy case. For private student loans, these proceedings are run a lot like a civil lawsuit. To file bankruptcy on private student loans successfully, many people chose to hire an experienced bankruptcy attorney.
Read More →Can Attorney Fees Be Included in Bankruptcy?
Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated August 13, 2025
If you owe attorney fees when you go to file your bankruptcy case, most will be treated as unsecured debt and discharged as part of your bankruptcy case. There are some exceptions to this, especially for attorney fees related to family court matters. Keep reading to learn more about how attorney fees are treated in bankruptcy.
Read More →What Are the Texas Bankruptcy Exemptions?
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 2, 2025
Texas has more generous bankruptcy exemptions than many other states. It also allows bankruptcy filers to choose whether they want to use the Texas state bankruptcy exemptions or the federal bankruptcy exemptions. In many cases, the state exemptions are more beneficial to bankruptcy filers who own a home or car. But unlike the federal exemptions, Texas doesn’t offer a wildcard exemption to protect personal property of your choosing.
Read More →How To Convert Chapter 13 Bankruptcy to Chapter 7 & What To Expect
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated September 17, 2025
If you can no longer afford your Chapter 13 repayment plan, you may be able to convert to Chapter 7 for faster debt relief. The process is usually simple. You file a Notice of Conversion with the court, pay a $25 fee, and, once your case is converted, attend a new 341 meeting, Your Chapter 7 discharge typically happens about 60 days later, assuming no creditor objects. Switching chapters can affect your property, secured debts, and exemptions, so it’s important to understand the pros and cons. This guide explains how to convert, who qualifies, and what happens after the switch.
Read More →How To Rebuild Credit After Bankruptcy
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated September 26, 2025
Rebuilding your credit after bankruptcy is possible — and many people do it successfully with the right approach. Bankruptcy gives you a financial reset, and by taking steps like using secured credit cards, paying bills on time, and monitoring your credit reports, you can start improving your score within months. It’s also important to avoid common mistakes, like opening too many new accounts or relying too much on credit in emergencies. With consistent habits and a clear plan, you can rebuild your credit and lay the foundation for long-term financial health.
Read More →How To Get Your Credit Report for Free
Written by Attorney Tina Tran. Legally reviewed by Jonathan Petts
Updated September 29, 2025
Your credit report has a lot of power over your daily life — whether that's when you're buying a new car or applying for an apartment. In addition to using credit responsibly, keeping an eye on your credit report is one of the most valuable things you can do to make sure your financial house is as stable as possible. There are three ways to request a copy of your free credit report.
Read More →Eviction 101
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated August 7, 2025
Like most property laws, the relationship between landlords and tenants is regulated by state law. Because eviction laws vary from state to state, there is no uniform law of eviction. These state eviction laws lay out rules that landlords must follow in order to evict tenants. This article will explain some basic facts about eviction.
Read More →What Happens When a Chapter 13 Case Is Dismissed?
Written by Jonathan Petts. Legally reviewed by Attorney Andrea Wimmer
Updated November 21, 2024
When a Chapter 13 bankruptcy is dismissed, your case ends without any debts being discharged, and you lose the protection provided by the bankruptcy court. This means creditors can start or resume collection activities against you, such as wage garnishments, lawsuits, or foreclosure proceedings. Payments you made toward your Chapter 13 repayment plan won’t be refunded, and your debts will revert to what you owed before filing, minus any payments made during the case. Additionally, the dismissal will be noted on your credit report, which can negatively affect your credit score.
Read More →What Is a Bankruptcy Trustee?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated September 2, 2025
A bankruptcy trustee is a neutral party who helps manage your case and make sure everything follows bankruptcy law. They don’t work for you or your creditors — their role is to review your paperwork, oversee the case, and handle certain financial matters. In Chapter 7, the trustee may sell non-exempt property, but most cases don’t involve selling anything. In Chapter 13, the trustee reviews your repayment plan and distributes your monthly payments to creditors.
Read More →Unsecured Debt: What It Is and What Happens if You Don't Repay It?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 21, 2025
Unsecured debt is money you borrow without pledging property as collateral, like credit cards, personal loans, and medical bills. Because the debt is not tied to specific property, lenders can’t automatically take your belongings if you fall behind on payments, but they can still pursue collection actions, lawsuits, or wage garnishment. Missing payments can hurt your credit, increase your balance with fees and interest, and lead to default if the debt remains unpaid. If you’re struggling with unsecured debt, credit counseling, debt consolidation, or bankruptcy may help you get relief and start fresh.
Read More →California Bankruptcy Exemptions Explained
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated June 26, 2025
Some states permit filers to choose between a set of federal bankruptcy exemptions and the state exemption system. However, California isn’t one of them. California is called an “opt-out” state, which means federal bankruptcy exemptions are not available to filers in the state. Californians filing bankruptcy have to use California exemption law.
Read More →Navigating Financial Aid During and After Bankruptcy: A Step-by-Step Guide
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated September 19, 2025
Filing for bankruptcy doesn’t block you from getting federal student aid. Most federal loans are based on financial need, not credit history. That means even if you’ve filed Chapter 7 — or are currently in a case — you can still apply for grants, loans, and other aid through FAFSA. Private student loans are a different story. Many lenders look at your credit, so a recent bankruptcy might affect your chances of getting approved or lead to higher interest rates. But it may still be possible.
Read More →Guide To Bankruptcy Exemptions: What Can You Keep When You File Chapter 7?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 5, 2026
Filing for Chapter 7 bankruptcy doesn’t mean losing everything. In fact, most people who file get to keep all of their property, including their home, car, clothes, and everyday household items. That’s because bankruptcy laws include exemptions, which are legal protections for the things you need to live and work.These exemptions exist to help you get a real fresh start. This guide breaks down how bankruptcy exemptions work in Chapter 7, what property they cover, and how to make sure you claim them properly. Whether you're using state or federal exemptions, understanding these protections can give you peace of mind and help you move forward.
Read More →Can I Keep Money I Receive From a Lawsuit When I File Bankruptcy?
Written by Curtis Lee, JD. Legally reviewed by Jonathan Petts
Updated January 5, 2026
If you have the right to sue someone — even if you haven’t filed the lawsuit yet — that right is considered an asset in bankruptcy and must be listed in your forms. Whether you can keep money from the lawsuit depends on when the claim arose and whether exemptions apply to protect it. Federal and state bankruptcy laws offer different exemptions that may protect all, some, or none of the lawsuit proceeds. Disclosing the lawsuit and cooperating with the bankruptcy trustee is essential to avoid having your case dismissed or losing your discharge.
Read More →Bankruptcy Credit Counseling & Financial Management Courses: A Complete Guide
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 14, 2026
If you’re filing for bankruptcy, you must take two required courses: a credit counseling course before filing and a debtor education course after filing. The first course helps you explore debt relief options. The second course teaches financial management skills to help you make the most of the financial fresh start bankruptcy brings. Both must be completed through an approved provider, and you can't complete your bankruptcy case without taking them and submitting your certificate(s) of completion to the court.
Read More →Can You Buy a Car During Chapter 7 Bankruptcy? What To Know About Auto Loans
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 20, 2025
You technically can buy a car during the Chapter 7 bankruptcy process, but that doesn’t mean it’s always the best idea. Lenders may see you as a higher risk, which can mean higher interest rates and less favorable loan terms. Many people find it easier to wait until after their discharge, when they may have more financing options. If buying a car during bankruptcy is necessary, comparing lenders and loan terms can help you make the best financial decision.
Read More →Will Filing Bankruptcy Affect My Apartment Lease?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated December 10, 2024
Filing for bankruptcy doesn’t cancel your lease or force you to move. If you’re current on rent, you can keep your lease by continuing to pay on time. If you’re behind, the automatic stay temporarily prevents eviction, but you’ll need to catch up on rent to stay. Bankruptcy can wipe out back rent owed before filing, but you’re still responsible for rent after filing. If there’s already an eviction judgment, you’ll need to meet certain requirements to stop the eviction.
Read More →What Type of Debt Can I Erase in Chapter 7 Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 15, 2026
Chapter 7 bankruptcy is a powerful tool that wipes out common consumer debts, including credit card debt, medical bills, personal loans, payday loans, unpaid utility bills, and more. Some debts, like child support and alimony, can’t be discharged in bankruptcy.
Read More →Can I File Bankruptcy Without My Spouse?
Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated January 15, 2026
If you’re married, you can file bankruptcy without your spouse. But doing so doesn’t mean your spouse won’t be impacted. Before you choose whether to file individually or jointly, you’ll want to consider many factors, including what debts and assets you have together, whether you co-mingle your finances, and if there’s a prenuptial agreement.
Read More →What Happens to the Co-Signer of a Car Loan in Bankruptcy?
Written by Mae Koppes. Legally reviewed by Jonathan Petts
Updated January 29, 2025
When you file for bankruptcy, your co-signer stays legally responsible for the co-signed debt, even if your obligation to repay it is discharged. In Chapter 7 bankruptcy, the lender can still pursue your co-signer if the car is surrendered or the borrower defaults on the loan. Options like reaffirmation or redemption may reduce your co-signer’s risk if payments continue. In Chapter 13 bankruptcy, the co-debtor stay may temporarily stop the lender from going after your co-signer, but this protection is lost if payments aren’t made.
Read More →What Can I Do if My Car Is Repossessed With My Personal Belongings in It?
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated January 24, 2025
If your car is repossessed with your personal belongings inside, you have the legal right to retrieve your items. Repo companies cannot keep or sell your personal property, and they generally can’t charge you a fee to collect your belongings unless you delay for an extended period. After repossession, the lender will send you a notice with details on how to retrieve your car and personal items.
Read More →Debtor Education/Personal Financial Management Course Explained
Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated October 9, 2025
You must take two required courses to file bankruptcy and get your debts discharged. The second course is a personal financial management course, also called the debtor education course. You need to take it and file the certificate of completion with the court within 60 days of your meeting with your trustee. The course teaches skills to help you budget and avoid financial pitfalls after bankruptcy.
Read More →Bankruptcy for Seniors: What Older Americans Need To Know
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated September 3, 2025
Bankruptcy can be a helpful tool for seniors facing unmanageable debt, especially those living on fixed incomes with little to no assets. Chapter 7 is often the best fit for older adults who need fast relief from credit cards, medical bills, or personal loans — without risking important property. But bankruptcy isn’t always necessary, especially if your income is protected and your assets are limited. This guide explains the pros and cons, how to choose between Chapter 7 and Chapter 13, and what alternatives to consider if bankruptcy doesn’t feel right for you.
Read More →Can I File for Bankruptcy After Moving to a New State?
Written by Mae Koppes. Legally reviewed by Jonathan Petts
Updated May 27, 2025
Yes, you can file bankruptcy after moving, but it can be a little complicated. Your move affects where you file and what property protections apply. To file in your current state, you must have lived there for at least 91 days. However, using your new state’s exemption laws requires living there for at least 730 days (two years). If you don’t meet this requirement, you may need to rely on your former state’s exemptions — if that state allows non-residents to use them — or use federal bankruptcy exemptions instead.
Read More →What Debts Are Not Discharged in Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated September 5, 2025
Though bankruptcy provides real debt relief for folks who are struggling to make ends meet, not every debt is treated equally under bankruptcy law. Bankruptcy is a great way to get rid of credit card debt, medical bills, and personal and payday loans. But bankruptcy can’t wipe out recent income tax you owe, alimony, child support, or debt incurred from illegal acts (embezzlement, larceny, etc.). Though there’s a common misconception that student loan debt can’t be erased in bankruptcy, you can discharge, or wipe out, your student loan debt in Chapter 7 or Chapter 13 bankruptcy. You must prove that repaying it is causing undue hardship and that you’ve made good faith efforts to pay in the past.
Read More →Can You File Bankruptcy and Keep Your House?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 17, 2025
Many people who file Chapter 7 or Chapter 13 bankruptcy can keep their home, but it depends on several factors. To keep your home in Chapter 7, you’ll need to be up to date on your mortgage payments and your home equity must be covered by the homestead exemption in your state. In Chapter 13, you can catch up on missed mortgage payments through a repayment plan, which can help you keep your home and avoid foreclosure.
Read More →Can My Social Security Disability Benefits Be Garnished?
Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated January 21, 2026
Social Security Disability Income (SSDI) benefits are generally protected from garnishment, which means creditors can’t take this money to pay off most debts. But, there are some exceptions. Your SSDI benefits can be garnished to cover unpaid child support, alimony, federal taxes, or federal student loans.
Read More →Homestead Exemption 101: How It Works in Bankruptcy
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated April 23, 2025
The homestead exemption helps protect the equity in your home if you file Chapter 7 bankruptcy. This protection makes it possible for many homeowners to get relief from credit card debt, medical bills, and other unsecured debts without losing their house. There’s a federal exemption, and each state sets its own exemption rules. How much home equity you can protect depends on where you live. If your equity goes over the exemption limit, you may still have options, including Chapter 13 bankruptcy and other forms of debt relief.
Read More →Common Docket Entries & What They Mean in a Bankruptcy Case
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated October 22, 2025
The docket is a case record prepared and maintained by the clerk of the court during a Chapter 7 bankruptcy case. Learn what common docket entries mean for your case.
Read More →Can You Spend Money Before Filing Chapter 7 Bankruptcy? How Much?
Written by Attorney Eva Bacevice. Legally reviewed by Attorney Andrea Wimmer
Updated July 29, 2025
Before filing Chapter 7 bankruptcy, you can spend money on necessary expenses like rent, utilities, groceries, and medical bills. However, you should avoid making any large or unusual purchases or paying off debts to friends or family, as this could raise red flags with the bankruptcy court. Spending money on luxury items or transferring assets before filing could be seen as fraudulent and might affect your case.
Read More →How To File Chapter 7 Bankruptcy With No Money (Free & Low-Cost Options)
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated February 14, 2026
Filing Chapter 7 bankruptcy comes with costs, including court fees, credit counseling fees, and attorney fees. But some filers can do it for free or at a very low cost. If your income is low enough, you can request a court fee waiver and reduced or waived credit counseling fees. Filing without a lawyer is possible, and free tools like Upsolve can help guide you through the process. If you prefer legal help, you may qualify for free or low-cost assistance from legal aid organizations or pro bono attorneys.
Read More →How Often Can You File Bankruptcy? Understanding Time Limits & Rules
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated February 14, 2026
There is no limit to how many times you can file a bankruptcy case in your lifetime. The frequency of your filings depends on how long it's been since your last bankruptcy case as well as the type of bankruptcy you previously filed — Chapter 7, Chapter 11, and Chapter 13 bankruptcy are the most common types of consumer bankruptcies.
Read More →How Often Can You File Bankruptcy? Understanding Time Limits & Rules
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated February 14, 2026
There is no limit to how many times you can file a bankruptcy case in your lifetime. The frequency of your filings depends on how long it's been since your last bankruptcy case as well as the type of bankruptcy you previously filed — Chapter 7, Chapter 11, and Chapter 13 bankruptcy are the most common types of consumer bankruptcies.
Read More →How Does Bankruptcy Affect a Car Lease?
Written by Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated January 15, 2026
Filing bankruptcy affects a car lease differently than a car loan. A car lease isn’t considered a debt you owe, but you still need to report it in your bankruptcy paperwork. If you’re filing Chapter 7 bankruptcy, you can usually keep the lease if you’re current on payments, or you can give the car back and wipe out any remaining lease-related debt. In Chapter 13, you can typically keep the car and make payments as usual if you’re current, or you can fold past-due payments into your 3–5-year payment plan. Understanding how bankruptcy affects a car lease can help you decide whether to keep the car or walk away.
Read More →How Do I Find an Affordable Bankruptcy Attorney?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated July 28, 2025
While you’re not required to hire a lawyer to file a bankruptcy case, you may want legal assistance. If so, there are several resources you can use to find an affordable bankruptcy attorney, including your state bar association’s website, the National Association of Consumer Bankruptcy Attorneys, or a local legal aid organization. Many bankruptcy lawyers also offer a free consultation for prospective clients. You can get free legal advice during the consultation and learn more about the lawyer’s fees and options for paying them.
Read More →What Is My Bankruptcy Discharge Date?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated February 25, 2026
A bankruptcy discharge date marks the end of your bankruptcy case. It happens when a judge signs the order erasing your responsibility to repay certain debts, like credit card bills or medical expenses. This date is listed on the discharge order, which the court will mail to you. Chapter 7 cases usually take 3–6 months, while Chapter 13 cases require completing a 3–5-year repayment plan before you can receive your discharge. Completing required steps, like the debtor education course, ensures there are no delays.
Read More →How To File Bankruptcy Online for Free
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 3, 2026
Only 29 of the 90 U.S. Bankruptcy Courts allow pro-se filers to file their forms online. These 29 courts have Electronic Self-Representation (eSR), which is a tool that allows for online filing. While the majority of bankruptcy courts don ’t allow pro-se filers to file their bankruptcy forms online, many of the other steps can be done online, like accessing the required bankruptcy forms, taking the two required credit counseling and financial education courses, and attending your 341 meeting of creditors (usually).
Read More →Can My Spouse Be Pursued for My Debts?
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 11, 2026
Generally speaking, you can’t be pursued for your spouse’s debt unless you live in one of the nine community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin) or you’ve co-signed or co-borrowed on a loan or you have a joint account. In community property states, most debts incurred during the marriage are considered shared, which means creditors might be able to pursue both spouses for repayment, even if only one spouse signed for the debt.
Read More →Chapter 7 Documents: What You Need To Fill Out Your Bankruptcy Forms
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated September 8, 2025
Filing Chapter 7 bankruptcy means filling out detailed forms about your finances, and the documents you gather ahead of time will help you do that accurately. You’ll need paperwork showing your income, debts, property, and expenses — like pay stubs, tax returns, and bank statements. Some documents are required by the court or trustee, while others just make the process easier and help avoid mistakes or delays. This article walks you through what to collect, what’s required, and what’s helpful so you can file with confidence.
Read More →What if I Can’t Afford To Pay a Judgment Against Me?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 12, 2026
If a creditor or debt collector has sued you and gotten a court judgement against you, you have three main options: First, You can pay the debt. You may be able to negotiate a voluntary payment plan with the debt collector. Second, you can file to have the judgment vacated or removed. And third, you can file bankruptcy to discharge the debt and stop all collection efforts, including those related to a court judgment.
Read More →Wage Garnishment Exemption Guide: Income You Can Keep
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 15, 2026
Certain types of income are protected from wage garnishment under federal and state law. This exempt income includes Social Security, unemployment benefits, and other public benefits — and in many cases, you can stop or reduce garnishment by filing a claim of exemption. This guide explains how exemptions work, how to protect your income before or after garnishment starts, and what to do if the debt is owed to the IRS or Department of Education. It also covers how bankruptcy can stop garnishments and help erase the debt causing them.
Read More →Can I Keep My Car if I File Chapter 7 Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 5, 2026
Many people who file Chapter 7 are able to keep their car. If you're up to date on payments and your car’s value is covered by an exemption in your state, you may be able to keep it. Some filers also choose to keep their car by redeeming the loan (paying a lump sum) or reaffirming it (agreeing to keep making payments). What’s possible depends on your state’s laws and your specific situation.
Read More →Can I Keep My Car if I File Chapter 7 Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated January 5, 2026
Many people who file Chapter 7 are able to keep their car. If you're up to date on payments and your car’s value is covered by an exemption in your state, you may be able to keep it. Some filers also choose to keep their car by redeeming the loan (paying a lump sum) or reaffirming it (agreeing to keep making payments). What’s possible depends on your state’s laws and your specific situation.
Read More →What Is Bankruptcy Fraud?
Written by Attorney Kassandra Kuehl. Legally reviewed by Attorney Andrea Wimmer
Updated December 11, 2025
Bankruptcy fraud is a broad term that describes a variety of actions that filers sometimes take to get an unfair advantage. Depending on what form that fraud takes, it’s considered a crime and is punishable by up to five years in federal prison and a (non-dischargeable) fine of up to $250,000. This article will explore some common types of bankruptcy fraud.
Read More →What Is Equity?
Written by the Upsolve Team. Legally reviewed by Attorney Paige Hooper
Updated May 3, 2022
Your equity in a house or car (the dollar value that belongs to you, not the lender) is the current value of the property minus the amount you still owe on it. When you file bankruptcy, exemptions protect the equity you have in certain assets.
Read More →Already Filed Bankruptcy Then Sued By a Creditor? Do This
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated July 27, 2023
If you're being sued by a creditor for an unpaid debt but you're in the process of filing bankruptcy, you may be wondering if you need to show up to your court date for the creditor's lawsuit against you. It will depend on when your court date is and where you're at in the process of filing your bankruptcy case. If you haven't filed your bankruptcy case by the court date for your creditor's lawsuit against you, make sure you attend the hearing. Otherwise, the judge can potentially grant a default judgment against you simply because you didn’t show up. If you have filed your bankruptcy case, it's still a good idea to show up to the hearing to let the judge know. Or you can contact the court clerk prior to the court date to let them know and see what they advise.
Read More →Can You File Bankruptcy and Keep Your House?
Written by Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated November 3, 2025
Many people who file bankruptcy are able to keep their home, but whether or not you’ll be able to do so depends on several factors. To keep your home in Chapter 7, you’ll need to be up to date on your mortgage payments and your home equity must be covered by the homestead exemption in your state. In Chapter 13, you can catch up on missed mortgage payments through a repayment plan, which can help you keep your home and avoid foreclosure.
Read More →What Are Priority Unsecured Debts?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated December 19, 2025
Priority debts are certain types of unsecured debts that are treated as more important in bankruptcy. They’re paid before other unsecured debts if there’s money available and often can’t be wiped out in Chapter 7. Common examples include child support, recent taxes, and unpaid wages. Even in a no-asset case where nothing gets paid, these debts can survive the bankruptcy and still need to be repaid.
Read More →Can You Get Student Loan Forgiveness if You Drop Out?
Written by Attorney Andrea Wimmer.
Updated September 2, 2025
Most people go to college with hopes of getting a degree and creating a good life for themselves. Unfortunately, unforeseen hardships — often financial — lead many students to drop out before they finish their degree. If that’s you, know that you have options to deal with your student loan debt! You may still qualify for student loan forgiveness programs like Public Service Loan Forgiveness (PSLF), or loan forgiveness after paying on an income-based repayment plan. If you need a temporary repayment pause while you find work or figure out your next steps, you can apply for forbearance or deferment.
Read More →Should I File Bankruptcy Before Getting Married?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated December 11, 2025
If you’re thinking about bankruptcy and also planning a wedding, the timing can make a big difference. Filing before getting married may make it easier to qualify for Chapter 7 and protect your future spouse’s finances. Filing after marriage could make sense if you both have debt to deal with, but it can also make your case more complicated. There’s no one right answer — it depends on your income, your debts, and whether you plan to file together or alone.
Read More →How Do I Know if My Trustee Is Going To Take My Money or Property?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 21, 2025
Most people who file Chapter 7 bankruptcy don’t lose any of their money or property because exemptions protect the things they need to live. This article explains how to find out if any of your assets are at risk, both before and after you file, including what to look for on your bankruptcy forms and during your 341 meeting. It also covers what happens if you receive property after filing—like a tax refund or inheritance—and how that can affect your case. You’ll also learn what it means if the trustee asks you to update your exemptions, and how to tell if your case is considered a no-asset case.
Read More →What Are the Virginia Bankruptcy Exemptions?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2025
Virginia bankruptcy exemptions let you keep certain property—like your home, car, and household items—when you file for Chapter 7 bankruptcy. These exemptions are grouped by category and have dollar limits that protect the value of specific types of property, including personal items, wages, and public benefits. Unlike some states, Virginia does not let you choose between state and federal bankruptcy exemptions—you must use the Virginia list. If your property falls within these exemption limits, you can likely keep it, even while clearing away your unsecured debts. Understanding how exemptions work can help you protect the things that matter most as you get a fresh financial start.
Read More →What Are the Illinois Bankruptcy Exemptions?
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated January 6, 2026
Illinois bankruptcy exemptions help protect the essential property you need to live and work if you file for Chapter 7 bankruptcy. The state doesn’t allow you to use federal bankruptcy exemptions, but it does offer generous protections for things like your home, car, personal items, wages, and retirement accounts. Starting in 2026, many exemption amounts will increase, giving added protection to homeowners, workers, and people with modest assets. These exemptions can help many Illinois filers keep everything they own during the bankruptcy process.
Read More →Chapter 7 vs. Chapter 13 Bankruptcy: What’s the Difference?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated February 17, 2026
Chapter 7 and Chapter 13 bankruptcy are the two most common types of personal bankruptcy filings. Chapter 7 bankruptcy can wipe out unsecured debts like credit card debt and medical bills in just 3-4 months. Though the filing can stay on your credit report for 10 years. You must pass a means test and meet certain criteria to qualify for Chapter 7. Chapter 13 takes longer — usually 3-5 years — because filers are on a repayment plan. After the plan is up, any remaining unsecured debt is discharged. Chapter 7 can stay on your credit report for up to 7 years. Some filers choose Chapter 13 because they don’t qualify for Chapter 7 or because they own certain assets they want to protect. Even though there are differences between Chapter 7 and Chapter 13 bankruptcy, each one grants the filer a fresh financial start in the form of a bankruptcy discharge — a court order that relieves you of your debt and bans creditors from trying to collect from you on this debt.
Read More →How Long Does Chapter 7 Bankruptcy Take?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated May 21, 2025
From filing to discharge (wiping out debts), Chapter 7 bankruptcy cases typically take 4–6 months. As far as personal bankruptcies go, Chapter 7 is the fastest. By comparison, Chapter 13 takes 3–5 years because a repayment plan is involved. If you file Chapter 7, the timeline for receiving your discharge will depend on how complicated your case is, what kind of debt you have, and how quickly you complete the requirements, like the financial management course.
Read More →How To Stop Wage Garnishment Immediately
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated October 17, 2025
There are four direct ways you can take action to stop a wage garnishment: 1. Try to negotiate a payment plan with your creditor(s) or settle your debt. 2. Challenge the wage garnishment in court. 3. File for bankruptcy to stop the garnishment fast. 4. Reach out to a nonprofit to ask for financial assistance. Having your wages garnished reduces your disposable income and can feel very stressful. But remember, you have rights and there are ways to stop the garnishment.
Read More →What Are the Pros and Cons of Filing Chapter 7 Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 12, 2025
The main pros to Chapter 7 are that you can receive immediate relief from collection actions (due to the automatic stay) as well as permanent relief from debts if your bankruptcy is discharged. The main cons to Chapter 7 bankruptcy are that most secured debts won’t be erased, you may lose nonexempt property, and your credit score will likely take a temporary hit. Filing for bankruptcy is a very effective way to eliminate debt and get a fresh start. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy.
Read More →What Personal Property Can Be Seized After a Judgment?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 12, 2026
If a creditor sues you to collect on an unpaid debt and wins, they'll get a court judgment against you. This court order allows them to collect on the debt by seizing your real or personal property (or putting a lien on it), garnishing your wages, or levying your bank account. Personal property includes everything from household goods to vehicles. Real property includes things like your home or land. Though creditors can legally seize real and personal property that isn’t covered by an exemption, this isn't common because it can be costly for creditors. It's more common for creditors to use wage garnishment or a bank account levy.
Read More →Can I File Bankruptcy if I’m in a Debt Relief Program?
Written by Ben Jackson. Legally reviewed by Jonathan Petts
Updated August 25, 2025
Yes, you can file bankruptcy even if you’re in or were in a debt relief program such as a debt management plan. Once you file your bankruptcy case with the court, you can stop making the payments under the debt relief plan you’re in (if you haven ’t already). Once the bankruptcy court grants your discharge, you won’t have to worry about repaying the debts included in your case. Many people can benefit from other debt-relief options before filing bankruptcy, but sometimes bankruptcy is the best choice to meet your financial goals and take control of your debt.
Read More →What Is Bankruptcy?
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated June 5, 2025
Bankruptcy is a legal process that helps people eliminate or reorganize their debts and get a fresh start. Chapter 7 and Chapter 13 bankruptcy are the most common types of personal bankruptcy. Chapter 7 wipes out your eligible debts, including credit card debt, medical bills, and more, in a matter of months. Chapter 13 requires a multiyear repayment plan but can help you catch up on past-due car or home loan payments.
Read More →The Complete Guide To Medical Bills and Wage Garnishment
Written by Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated June 5, 2026
A healthcare provider can try to collect unpaid medical debts, just like any other debt collector might. A provider may even take legal action to garnish a patient’s wages if their collection efforts are ignored. Before a provider can take your wages, the facility or physician must sue you for nonpayment and win the case in court. If a healthcare provider wins a lawsuit against you, the court will award a judgment (court order) to the provider or its collection agent to garnish your wages. You may be able to avoid or stop a garnishment. Learn more in this article.
Read More →What Are the Ohio Bankruptcy Exemptions?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 23, 2025
Bankruptcy exemptions are rules that allow people who file for bankruptcy to keep certain important items instead of having to sell them to repay their debts. If you’re filing bankruptcy in Ohio, you must use the state’s exemptions to protect your property. Ohio has a homestead exemption of up to $182,625 for individual filers, a $5,025 motor vehicle exemption, and a $1,675 wildcard exemption. It also has exemptions for personal property and money benefits.
Read More →What Are the Michigan Bankruptcy Exemptions?
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated June 17, 2026
If you’ve lived in Michigan for at least two years when you file bankruptcy, you can choose between the state’s exemptions or the federal bankruptcy exemptions. Both have the same aim — to help you protect your property. Michigan has a higher homestead exemption than the federal government ($51,150 vs. $31,575). But if you aren’t a homeowner, the federal exemptions for personal property, including your vehicle, are more generous.
Read More →What Are the Colorado Bankruptcy Exemptions?
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025
Bankruptcy exemptions help bankruptcy filers protect the property they own so they don't have to start over with nothing after their debts are discharged. Colorado has opted out of the federal bankruptcy exemptions, so residents must use the state exemptions instead. Fortunately, Colorado has generous bankruptcy exemptions, including a $250,000 homestead exemption (for filers under 60) and a $15,000 motor vehicle exemption.
Read More →Your Credit Score Is Not Ruined Forever After a Bankruptcy Filing
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Written August 16, 2021
Bankruptcy is a useful debt relief tool. It can give you a fresh start when unpaid debt becomes unmanageable. Sadly, many people attach a stigma to filing bankruptcy and fail to see its advantages and benefits. Instead, they focus on the notion that bankruptcy will forever ruin their credit. But this is just one of the many myths of bankruptcy. It often causes people to put off filing, which only delays bankruptcy’s benefits. While your credit score is affected by bankruptcy in the short term, we’ll discuss how your credit score is not permanently ruined by filing bankruptcy.
Read More →How To File Bankruptcy for Free in Georgia
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Paige Hooper
Updated June 30, 2025
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Georgians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Georgia.
How To File Bankruptcy for Free in Illinois
Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 3, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Illinoisans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Illinois.
How To File Bankruptcy for Free in Illinois
Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated August 3, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Illinoisans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Illinois.
How To File Bankruptcy for Free in Indiana
Written by Attorney Andrea Wimmer, Chiara King. Legally reviewed by Jonathan Petts
Updated March 2, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Hoosiers file without a lawyer or any filing costs. This guide covers everything you need to know to file in Indiana
How To File Bankruptcy for Free in Michigan
Written by Attorney Eva Bacevice, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 2, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Michiganders file without a lawyer or any filing costs. This guide covers everything you need to know to file in Michigan.
How To File Bankruptcy for Free in Texas
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated June 5, 2026
Filing Chapter 7 bankruptcy in Texas can give you a fresh start — and you don’t need to hire a lawyer to do it. Many Texans with simple cases file successfully on their own, and Upsolve’s free tool can help walk you through each step. This guide covers how to gather the documents you need, fill out your forms, take the required courses, and file your case with the court. It also explains what happens after you file, including your trustee meeting and what to expect if you want to keep your car.
How To File Bankruptcy for Free in California
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated July 2, 2025
Filing Chapter 7 bankruptcy in California can help you erase debts like credit cards, medical bills, and payday loans, giving you a fresh financial start. This step-by-step guide shows you how to file for free, from gathering documents and taking credit counseling to submitting your forms and attending the 341 meeting. It also explains how to protect your property using California’s bankruptcy exemptions. Each California district has its own rules, so the guide includes specific filing instructions based on where you live.
How To File Bankruptcy for Free in California
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated July 2, 2025
Filing Chapter 7 bankruptcy in California can help you erase debts like credit cards, medical bills, and payday loans, giving you a fresh financial start. This step-by-step guide shows you how to file for free, from gathering documents and taking credit counseling to submitting your forms and attending the 341 meeting. It also explains how to protect your property using California’s bankruptcy exemptions. Each California district has its own rules, so the guide includes specific filing instructions based on where you live.
How To File Bankruptcy for Free in Oklahoma
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Oklahomans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Oklahoma.
How To File Bankruptcy for Free in Oklahoma
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Oklahomans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Oklahoma.
How To File Bankruptcy for Free in Virginia
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Attorney Andrea Wimmer
Updated September 2, 2025
Filing Chapter 7 bankruptcy in Virginia can help you wipe out unsecured debts like credit cards, medical bills, and payday loans — and stop collection efforts immediately. You don’t need to hire a lawyer to file, and many Virginians go through the process on their own. This guide walks you through every step, from gathering documents and taking the required credit counseling course to filing your forms and attending your 341 meeting.
How To File Bankruptcy for Free in Virginia
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Attorney Andrea Wimmer
Updated September 2, 2025
Filing Chapter 7 bankruptcy in Virginia can help you wipe out unsecured debts like credit cards, medical bills, and payday loans — and stop collection efforts immediately. You don’t need to hire a lawyer to file, and many Virginians go through the process on their own. This guide walks you through every step, from gathering documents and taking the required credit counseling course to filing your forms and attending your 341 meeting.
How To File Bankruptcy for Free in Pennsylvania
Written by Attorney Eva Bacevice, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Written June 11, 2019
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Pennsylvanians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Pennsylvania.
How To File Bankruptcy for Free in West Virginia
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Attorney Paige Hooper
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many West Virginians file without a lawyer or any filing costs. This guide covers everything you need to know to file in West Virginia.
How To File Bankruptcy for Free in North Carolina
Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025
Filing Chapter 7 bankruptcy in North Carolina can give you a fresh financial start by wiping out debts like credit cards, medical bills, and payday loans. This guide walks you through the process step by step — from gathering documents and taking required courses to filling out forms and going to court. You’ll learn how to file without a lawyer, save on legal fees, and understand what to expect at every stage. While Upsolve’s free filing tool isn’t available in North Carolina right now, this article gives you the tools and resources you need to navigate the process on your own.
How To File Bankruptcy for Free in North Carolina
Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated April 28, 2025
Filing Chapter 7 bankruptcy in North Carolina can give you a fresh financial start by wiping out debts like credit cards, medical bills, and payday loans. This guide walks you through the process step by step — from gathering documents and taking required courses to filling out forms and going to court. You’ll learn how to file without a lawyer, save on legal fees, and understand what to expect at every stage. While Upsolve’s free filing tool isn’t available in North Carolina right now, this article gives you the tools and resources you need to navigate the process on your own.
How To File Bankruptcy for Free in Missouri
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Written June 9, 2019
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Missourians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Missouri.
How To File Bankruptcy for Free in Missouri
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Written June 9, 2019
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Missourians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Missouri.
Wage Garnishment in Texas: Is Your Paycheck Protected?
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated September 16, 2025
Texas law generally protects your wages from garnishment for consumer debts like credit cards and medical bills. Only certain debts — including child support, unpaid taxes, and federal student loans — can lead to wage garnishment in the state. However, creditors may still try to collect by garnishing your bank account if they have a court judgment. If you're facing overwhelming debt or garnishment, options like bankruptcy or legal aid may offer relief and guidance.
How To File Bankruptcy for Free in Washington D.C.
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2025
Filing Chapter 7 bankruptcy in Washington, D.C., can be a powerful way to erase debts like credit cards and medical bills, and many people successfully do it on their own without hiring a lawyer. The process includes gathering financial documents, completing required courses, filling out federal and local forms, and submitting them to the D.C. Bankruptcy Court. There are also steps to follow after filing, like attending a short meeting with a trustee and sending in additional paperwork. If you meet certain income limits, you may qualify to file for free, and tools like Upsolve or help from legal aid can make the process more manageable.
How To File Bankruptcy for Free in Washington D.C.
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated October 21, 2025
Filing Chapter 7 bankruptcy in Washington, D.C., can be a powerful way to erase debts like credit cards and medical bills, and many people successfully do it on their own without hiring a lawyer. The process includes gathering financial documents, completing required courses, filling out federal and local forms, and submitting them to the D.C. Bankruptcy Court. There are also steps to follow after filing, like attending a short meeting with a trustee and sending in additional paperwork. If you meet certain income limits, you may qualify to file for free, and tools like Upsolve or help from legal aid can make the process more manageable.
Wage Garnishment in Ohio
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated September 10, 2025
Wage garnishment in Ohio is a legal process where a portion of your paycheck can be taken to repay unpaid debts like credit cards, medical bills, or personal loans. Most creditors must first sue you in court and get a judgment before they can garnish your wages. Both federal and Ohio laws limit how much of your income can be taken and offer protections for certain types of income
Wage Garnishment in Georgia
Written by the Upsolve Team. Legally reviewed by Attorney Andrea Wimmer
Updated April 14, 2025
A wage garnishment order allows creditors to take money directly from your paycheck. Most of the time, this is only possible after a court has entered a judgment. Here's how Georgia regulates wage garnishments.
How To File Bankruptcy for Free in Maryland
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated September 3, 2025
Filing Chapter 7 bankruptcy in Maryland can help you erase debts like credit cards, medical bills, and payday loans, and many people do it without hiring a lawyer. This guide walks you through each step, including how to gather documents, take required courses, fill out forms, and file with the court. While Upsolve’s free filing tool isn’t available in Maryland, you’ll find detailed instructions and resources to help you file on your own.
How To File Bankruptcy for Free in New York
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated March 2, 2026
Filing Chapter 7 bankruptcy in New York can help you erase certain debts and get a financial fresh start — and many people do it without a lawyer or filing costs. The process includes gathering documents, completing two credit courses, filling out forms, and filing them with the court. You’ll also attend a brief meeting with a bankruptcy trustee and decide how to handle property like your car. New York offers both state and federal exemptions to help you keep essential belongings. If your case is simple, you may qualify to use Upsolve’s free tool to file without paying attorney fees.
How To File Bankruptcy for Free in New York
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated March 2, 2026
Filing Chapter 7 bankruptcy in New York can help you erase certain debts and get a financial fresh start — and many people do it without a lawyer or filing costs. The process includes gathering documents, completing two credit courses, filling out forms, and filing them with the court. You’ll also attend a brief meeting with a bankruptcy trustee and decide how to handle property like your car. New York offers both state and federal exemptions to help you keep essential belongings. If your case is simple, you may qualify to use Upsolve’s free tool to file without paying attorney fees.
Wage Garnishment in California
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 14, 2026
Wage garnishment is a legal process that allows creditors to take money directly from your paycheck to repay certain types of debt. In California, most garnishments for consumer debt require a court judgment, and the state provides stronger wage protections than federal law. Once a creditor wins a lawsuit, they can serve paperwork to your employer to begin garnishing your wages, but you have the right to object or claim exemptions—usually within 10 days. There are also limits on how much of your paycheck can be garnished, and filing for bankruptcy is one way some people choose to stop garnishment and erase the debt altogether.
Wage Garnishment in Tennessee
Written by Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated March 14, 2026
Wage garnishment in Tennessee allows a creditor to take money directly from your paycheck to repay a debt, but most creditors must first sue you and get a court judgment. After that, the court can issue a garnishment order, which tells your employer to withhold part of your pay. Both federal and Tennessee laws limit how much can be taken and offer some extra protection if you have dependent children.
Wage Garnishment in Pennsylvania
Written by Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated March 15, 2026
Wage garnishment is when money is taken from your paycheck to pay certain types of debt. Pennsylvania is unique because it doesn’t allow most creditors to garnish your wages for common consumer debts like credit cards, medical bills, or payday loans. Only specific debts—like unpaid rent, child support, taxes, and federal student loans—can lead to wage garnishment in the state. This article explains how wage garnishment works in Pennsylvania, what steps creditors must follow, and what you can do if you're at risk of having your wages garnished.
How To File Bankruptcy for Free in Arkansas
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 6, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Arkansans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Arkansas.
How To File Bankruptcy for Free in Arkansas
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated April 6, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Arkansans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Arkansas.
How To File Bankruptcy for Free in Alaska
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 6, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Alaskans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Alaska.
How To File Bankruptcy for Free in Alaska
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 6, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Alaskans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Alaska.
How To File Bankruptcy for Free in Rhode Island
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 15, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Rhode Islanders file without a lawyer or any filing costs. This guide covers everything you need to know to file in Rhode Island.
How To File Bankruptcy for Free in Rhode Island
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 15, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Rhode Islanders file without a lawyer or any filing costs. This guide covers everything you need to know to file in Rhode Island.
How To File Bankruptcy for Free in Wisconsin
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It erases eligible debts like credit cards, medical bills, and payday loans — and many Wisconsinites file without a lawyer or any filing costs. This guide covers everything you need to know to file in Wisconsin.
How To File Bankruptcy for Free in Wisconsin
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It erases eligible debts like credit cards, medical bills, and payday loans — and many Wisconsinites file without a lawyer or any filing costs. This guide covers everything you need to know to file in Wisconsin.
How To File Bankruptcy for Free in South Dakota
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many South Dakotans file without a lawyer or any filing costs. This guide covers everything you need to know to file in South Dakota.
How To File Bankruptcy for Free in South Dakota
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many South Dakotans file without a lawyer or any filing costs. This guide covers everything you need to know to file in South Dakota.
How To File Bankruptcy for Free in South Carolina
Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated April 17, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many South Carolinians file without a lawyer or any filing costs. This guide covers everything you need to know to file in South Carolina.
How To File Bankruptcy for Free in Oregon
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Oregonians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Oregon.
How To File Bankruptcy for Free in Oregon
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 17, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Oregonians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Oregon.
How To File Bankruptcy for Free in Nebraska
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Paige Hooper
Updated April 28, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Nebraskans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Nebraska.
How To File Bankruptcy for Free in Nevada
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Nevadans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Nevada.
How To File Bankruptcy for Free in North Dakota
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many North Dakotans file without a lawyer or any filing costs. This guide covers everything you need to know to file in North Dakota.
How To File Bankruptcy for Free in North Dakota
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many North Dakotans file without a lawyer or any filing costs. This guide covers everything you need to know to file in North Dakota.
How To File Bankruptcy for Free in New Hampshire
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many New Hampshirites file without a lawyer or any filing costs. This guide covers everything you need to know to file in New Hampshire.
How To File Bankruptcy for Free in New Hampshire
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many New Hampshirites file without a lawyer or any filing costs. This guide covers everything you need to know to file in New Hampshire.
How To File Bankruptcy for Free in Maine
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Mainers file without a lawyer or any filing costs. This guide covers everything you need to know to file in Maine.
How To File Bankruptcy for Free in Maine
Written by Attorney Andrea Wimmer, Attorney Amelia Niemi. Legally reviewed by Attorney Andrea Wimmer
Updated April 30, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Mainers file without a lawyer or any filing costs. This guide covers everything you need to know to file in Maine.
How To File Bankruptcy for Free in Montana
Written by Attorney Andrea Wimmer, Mae Koppes. Legally reviewed by Jonathan Petts
Updated April 30, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Montanans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Montana.
How To File Bankruptcy for Free in Mississippi
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated May 1, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Mississippians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Mississippi.
How To File Bankruptcy for Free in Minnesota
Written by Attorney Andrea Wimmer, Chiara King. Legally reviewed by Jonathan Petts
Updated May 5, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Minnesotans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Minnesota.
How To File Bankruptcy for Free in Massachusetts
Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Bay Staters file without a lawyer or any filing costs. This guide covers everything you need to know to file in Massachusetts.
How To File Bankruptcy for Free in Massachusetts
Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Andrea Wimmer
Updated May 5, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Bay Staters file without a lawyer or any filing costs. This guide covers everything you need to know to file in Massachusetts.
How To File Bankruptcy for Free in Kentucky
Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated May 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Kentuckians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Kentucky.
How To File Bankruptcy for Free in Kansas
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Kansans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Kansas.
How To File Bankruptcy for Free in Kansas
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Andrea Wimmer
Updated May 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Kansans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Kansas.
How To File Bankruptcy for Free in Iowa
Written by Attorney Andrea Wimmer, Attorney Todd Carney. Legally reviewed by Attorney Paige Hooper
Updated May 9, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Iowans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Iowa.
How To File Bankruptcy for Free in Louisiana
Written by Attorney Andrea Wimmer, Rebecca Godbold Shiver. Legally reviewed by Attorney Paige Hooper
Updated May 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Louisianans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Louisiana.
How To File Bankruptcy for Free in Hawaii
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated June 4, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many people in Hawaii file without a lawyer or any filing costs. This guide covers everything you need to know to file in Hawaii.
How To File Bankruptcy for Free in Hawaii
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated June 4, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many people in Hawaii file without a lawyer or any filing costs. This guide covers everything you need to know to file in Hawaii.
How To File Bankruptcy for Free in Delaware
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated June 4, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Delawareans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Delaware.
How To File Bankruptcy for Free in Delaware
Written by Attorney Andrea Wimmer, Curtis Lee, JD. Legally reviewed by Attorney Andrea Wimmer
Updated June 4, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Delawareans file without a lawyer or any filing costs. This guide covers everything you need to know to file in Delaware.
How To File Bankruptcy for Free in Connecticut
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated June 4, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Nutmeggers file without a lawyer or any filing costs. This guide covers everything you need to know to file in Connecticut.
How To File Bankruptcy for Free in Alabama
Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated June 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Alabamians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Alabama.
How To File Bankruptcy for Free in Alabama
Written by Attorney Andrea Wimmer, Ben Jackson. Legally reviewed by Attorney Andrea Wimmer
Updated June 8, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Alabamians file without a lawyer or any filing costs. This guide covers everything you need to know to file in Alabama.
How To File Bankruptcy for Free in New Mexico
Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated April 29, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many New Mexicans file without a lawyer or any filing costs. This guide covers everything you need to know to file in New Mexico.
How To File Bankruptcy for Free in Wyoming
Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated April 6, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Wyomingites file without a lawyer or any filing costs. This guide covers everything you need to know to file in Wyoming.
How To File Bankruptcy for Free in Colorado
Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Updated May 19, 2025
Filing Chapter 7 bankruptcy in Colorado can help you wipe out debt and get a fresh start — and you may be able to do it for free without hiring a lawyer. This guide walks you through every step, from taking the required credit counseling course to filing your forms and attending your court hearing. You’ll learn how to gather documents, apply for a fee waiver, and protect your property using Colorado’s bankruptcy exemptions. If your case is simple, you may even qualify to use Upsolve’s free tool to file on your own.
How To File Bankruptcy for Free in Arizona
Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 2, 2026
Filing Chapter 7 bankruptcy in Arizona can help you wipe out debt and get a fresh start — and you may be able to do it for free without a lawyer. This guide walks you through every step, from taking the required credit counseling course to submitting your forms and attending your meeting with the trustee. You’ll learn how to gather the right documents, apply for fee waivers, and protect your property using Arizona’s exemptions. If your case is simple, you may even qualify to use Upsolve’s free tool to file on your own.
How To File Bankruptcy for Free in Arizona
Written by Attorney Andrea Wimmer, Attorney Andrea Wimmer. Legally reviewed by Jonathan Petts
Updated March 2, 2026
Filing Chapter 7 bankruptcy in Arizona can help you wipe out debt and get a fresh start — and you may be able to do it for free without a lawyer. This guide walks you through every step, from taking the required credit counseling course to submitting your forms and attending your meeting with the trustee. You’ll learn how to gather the right documents, apply for fee waivers, and protect your property using Arizona’s exemptions. If your case is simple, you may even qualify to use Upsolve’s free tool to file on your own.
How To File Bankruptcy for Free in Vermont
Written by Attorney Andrea Wimmer, Attorney Paige Hooper. Legally reviewed by Jonathan Petts
Updated April 16, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Vermonters file wihout a lawyer or any filing costs. This guide covers everything you need to know to file in Vermont.
How To File Bankruptcy for Free in New Jersey
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated July 13, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many New Jerseyans file without a lawyer or any filing costs. This guide covers everything you need to know to file in New Jersey.
How To File Bankruptcy for Free in New Jersey
Written by Attorney Andrea Wimmer, Krishna Patel. Legally reviewed by Attorney Andrea Wimmer
Updated July 13, 2026
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many New Jerseyans file without a lawyer or any filing costs. This guide covers everything you need to know to file in New Jersey.
How To File Bankruptcy for Free in Utah
Written by Attorney Andrea Wimmer. Legally reviewed by Attorney Paige Hooper
Written June 17, 2019
If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Utahns file without a lawyer or any filing costs. This guide covers everything you need to know to file in Utah.
