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Free nonprofit tool that guides low-income individuals through the Chapter 7 bankruptcy filing process without requiring an attorney.
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Upsolve is a 501(c)(3) nonprofit organization founded in 2016 that provides free online assistance for Chapter 7 bankruptcy filings. The organization is funded entirely through charitable grants from foundations such as the Gates Foundation, Robin Hood Foundation, and Legal Services Corporation, which allows it to offer its core filing tool at no cost to users. Since its founding, Upsolve has helped eliminate more than $700 million in debt for over 16,000 families across the United States.
The platform works by walking users through an online screener to determine eligibility, then generating the required bankruptcy petition forms based on guided interview responses. Users receive completed court-ready documents along with step-by-step instructions for filing with their local bankruptcy court. Upsolve also maintains an extensive learning center with plain-language articles covering debt relief options, credit rebuilding, and related financial topics.
Upsolve primarily serves individuals who cannot afford bankruptcy attorneys and would otherwise navigate the process entirely on their own. It is particularly useful for people with simple financial situations — those with primarily consumer debt, limited assets, and no ongoing income disputes — who qualify for Chapter 7 relief and are comfortable completing an online process.
What sets Upsolve apart from commercial document preparation services is its nonprofit model and its exclusive focus on Chapter 7 bankruptcy for low-income filers. There is no subscription, no hidden fee, and no upsell to paid legal services. This single-purpose focus means the workflow and educational content are tightly optimized for the specific population it serves.
Hands-on review pending.