Upsolve

Overview

Upsolve is an award-winning nonprofit organization that provides a free web-based tool to help low-income Americans file Chapter 7 bankruptcy without an attorney. Founded in 2018, Upsolve has helped tens of thousands of families discharge over $600 million in debt. The platform walks users through the entire bankruptcy filing process with step-by-step guidance, automatically generates all required court forms, and provides educational resources about bankruptcy law. Upsolve has been recognized by organizations including Google.org, Y Combinator, and the American Bar Association for its innovative approach to access to justice.

Strengths

• +Completely free Chapter 7 bankruptcy filing tool — no hidden fees
• +Step-by-step guidance makes filing without an attorney accessible
• +Over $600 million in debt discharged for users nationwide
• +Backed by Google.org and recognized by the American Bar Association
• +Extensive educational resources on bankruptcy law and debt relief

Considerations

• -Only covers Chapter 7 bankruptcy — not available for Chapter 13 or Chapter 11
• -Income requirements apply — users must qualify under the means test
• -Not a substitute for legal advice in complex cases with significant assets
• -Available in most but not all U.S. states

Best For

• *Low-income individual with mostly unsecured debt seeking to file Chapter 7 without hiring an attorney
• *Person overwhelmed by medical bills and credit card debt who qualifies for Chapter 7 under the means test
• *Family that cannot afford attorney fees but needs to stop wage garnishments and creditor harassment