Upsolve
Last Updated
Overview
Upsolve is a free nonprofit software that helps individuals file for Chapter 7 bankruptcy without hiring lawyers. It simplifies the process through guided eligibility checks, document preparation, and filing instructions. Though it may not suit complex cases, it is trusted by thousands across the U.S. and makes debt relief accessible.
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Starting Price
Custom
Upsolve Specifications
- Document Management
- Document Automation/Assembly
- Workflow Automation
- Compliance & Security Features
What Is Upsolve?
Upsolve is a 501(c)(3) Nonprofit Software that helps eligible low-income and working-class Americans navigate the Chapter 7 bankruptcy process without paying for an attorney. Its platform guides users through a financial questionnaire and prepares the required bankruptcy forms. Upsolve also provides educational resources that explain bankruptcy eligibility, exemptions, filing costs, and other parts of the process which help users understand the whole process easily.
What Is Upsolve Best For?
The platform stands out for its guided Chapter 7 bankruptcy process. It helps eligible users prepare the paperwork required to pursue debt relief without hiring an attorney. The software provides guidance on financial information, bankruptcy forms, required credit counseling, and filing steps involved in a Chapter 7 case. This approach is for individuals with simple financial situations who need help understanding and completing the Chapter 7 process on their own.
How Much Does Upsolve Cost?
Upsolve's Chapter 7 filing tool is free, with no subscription or per-user fees. The filing process can still involve a $338 court filing fee, $0–$50 for credit counseling courses, printing and travel expenses, and attorney fees of $1,000–$1,500 or more, depending on the case and location.
Disclaimer: The pricing is subject to change.
Upsolve Integrations
The vendor has not listed any available third-party integrations for this software.
How Does Upsolve Work?
Follow the steps below to understand how Upsolve typically works:
- Sign in to your Upsolve account and access the information needed to begin the filing process
- Complete the eligibility screener by providing basic details about your financial situation and circumstances
- Enter information about your income, expenses, debts, assets, and other required financial details
- Complete the required credit counseling course before preparing your bankruptcy paperwork for filing
- Review the completed bankruptcy forms and check that your submitted information is complete
- File your bankruptcy forms with the appropriate court and follow required filing procedures
- Attend the 341 meeting with the bankruptcy trustee and answer questions about your case
- Complete the second credit counseling course and follow remaining requirements through case completion
Who Is Upsolve For?
Upsolve can be used by individuals and families in the consumer finance and legal aid sectors, particularly low-income and working-class people dealing with unmanageable debt.
Upsolve Use Cases
Based on our analysis of Upsolve features, we have identified key scenarios where this software is a good fit:
People Filing Bankruptcy Without An Attorney
Individuals who cannot afford an attorney but want to file Chapter 7 on their own prefer Upsolve to work through the bankruptcy paperwork. The platform explains what each form is for and guides users through the filing process before reviewing their completed forms. The guidance helps users feel more confident about filing for bankruptcy without paying for the service.
Borrowers Seeking Student Loan Discharge
People considering bankruptcy while carrying student loans often use this software resources to understand whether those debts may be discharged. The platform explains that student loans are not automatically eliminated through Chapter 7 and covers the additional process used to seek a discharge based on undue hardship. This can help borrowers understand how student loan debt fits into a potential bankruptcy case.
People Protecting Property During Bankruptcy
Individuals considering Chapter 7 who own a home, car, or other valuable property consider the platform exemption resources to understand what may be protected during bankruptcy. The platform explains how state and federal exemptions work and how exemptions can affect whether property is protected from the bankruptcy process. This is useful for people assessing their property situation before filing.
Workers Facing Wage Garnishment
People whose wages are being garnished because of unpaid debt rely on Upsolve to understand how Chapter 7 may affect collection activity. Its resources explain the automatic stay that generally takes effect when bankruptcy is filed and can stop most wage garnishments and other collection actions. This could make the platform a suitable resource for individuals considering bankruptcy because garnishments are making it difficult to manage essential expenses.
Is Upsolve Right For You?
Upsolve can be a fit for Chapter 7 filers who meet the required income and expense criteria under the means test and need to prepare their bankruptcy paperwork. The platform keeps personal information under the filer’s control and states that data remains on its servers until the completed forms are printed. Upsolve is a suitable option for straightforward Chapter 7 cases where legal fees may be difficult to afford.
Still doubtful if Upsolve is the right fit for you? Connect with us at (661) 384-7070 for further guidance.
Upsolve Features
Eligibility Screener
The platform uses a short eligibility screener to assess whether Upsolve is suitable for a bankruptcy case. It reviews financial circumstances before the filing process begins and identifies cases that may not fit its simple-case criteria. If eligibility is unclear, applicants can request a free evaluation with a law firm for guidance.
Learning Center
Upsolve software provides educational material covering bankruptcy basics, Chapter 7, Chapter 13, debts, property exemptions, wage garnishment, student loans, taxes, and consumer rights. These resources explain requirements and financial considerations in plain language, helping readers understand topics relevant to bankruptcy. Information is organized by subject for reference throughout the research process.
Guided Filing Process
This feature guides eligible filers through the main steps required to prepare and submit a Chapter 7 bankruptcy case independently. The process includes completing a financial questionnaire, preparing required forms, and filing documents with the appropriate local bankruptcy court. Discharge follows after review is complete thereafter.
Pros And Cons of Upsolve
Pros
Thorough review of submitted documents
Simplifies complex bankruptcy paperwork
Easy-to-follow bankruptcy filing process
Clear instructions throughout the filing process
Supports independent bankruptcy filing
Cons
May not handle joint bankruptcy filings
Complex cases may require an attorney
Support documentation may not cover all scenarios
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Frequently Asked Questions
What language does Upsolve support?
Upsolve primarily supports English.
Does Upsolve have a mobile app?
No, Upsolve does not offer a dedicated mobile app.
What types of pricing plans does Upsolve offer?
The vendor does not offer Upsolve price plan, as it is free, but filing may still involve court, counseling, travel, printing, or attorney fees. Get a detailed Upsolve cost breakdown tailored to your specific requirements.
Does Upsolve offer an API?
No, Upsolve does not offer an API.
What other apps does Upsolve integrate with?
Information about third-party integrations has not been specified by the vendor.
Who are the typical users of Upsolve?
Upsolve is used by individuals and families, especially working-class and low-income people struggling with debt.
What level of support does Upsolve offer?
Upsolve offers support through learning center, email, ticket submission, and a help center.