Does this cost money? Upsolve Help June 06, 2018 14:16 No. Upsolve is totally free. Bankruptcy itself has a few costs that apply to people who earn above a certain amount. Follow this link to learn about them. Related articles What are Upsolve’s income thresholds? How do I know if my fee is waived? What do I need to bring to my 341 meeting, or my meeting of the creditors? Can I keep using my credit cards until I file bankruptcy? I need to add a debt to my Chapter 7 filing. I was reading that you said it may not be necessary for a chapter 7. Do I need to do this in the state of Oregon if I need to add an electric bill to my bankruptcy? Comments 0 comments Please sign in to leave a comment.