It depends on where you are in the eviction process and what you want for your housing.
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If your landlord hasn't yet sued or has filed an eviction case but not yet won a judgment, you can use Upsolve. But it's important to keep a few things in mind:
- Bankruptcy can erase past-due rent, but that doesn't cancel the eviction. Your landlord may still be able to evict you for the missed payments, and you'll need to keep paying rent going forward.
- The protection bankruptcy gives you (the automatic stay) is temporary. Your landlord can ask the bankruptcy court to "lift the stay" so the eviction case can continue, and courts usually agree.
- Chapter 7 doesn't give you a way to catch up on back rent and keep your lease. Whether you can do that depends on your state's laws, so check with a local legal aid organization about your options.
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If you landlord has already won an eviction judgment against you and you want to use bankruptcy to stay in your home, Upsolve isn’t a good fit for you.
- Stopping an eviction after a judgment is complicated and usually requires legal help. Upsolve is a free bankruptcy filing tool, not a law firm, so it's best to work with an attorney in this situation.
- If you're planning to move and just want to get rid of the rent debt, Upsolve may still be able to help.
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