Upsolve, Inc.
Overview
Upsolve is a nonprofit provider of free online financial/legal education and self-service bankruptcy technology for low-income users. Its principal bankruptcy product supports eligible individuals filing simple Chapter 7 cases without an attorney. [2][3]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | Upsolve Inc [1] |
| EIN | 82-1736267 [1][2] |
| Headquarters | New York, NY; current mailing address listed as 228 Park Ave S PMB 53933, New York, NY 10003-1502. [2] |
Public Financials — FY2024 and FY2022; fiscal year ending December [cite:1][cite:2]
| Total revenue | $2,096,442 |
| Total expenses | 1,974,364 |
| Net assets, year end | 3,400,428 |
| Program service revenue | 16% |
| Contributions and grants | 81% |
FY2024 Form 990 data: revenue $2,096,442; expenses $1,974,364; net assets $3,400,428; program-service revenue 15.6% of revenue; contributions 80.8%. FY2022 Form 990 data: revenue $2,351,190; expenses $2,072,272; net assets $4,044,023; program-service revenue 19.0%; contributions 80.3%. FY2023 revenue was $1,162,627 and expenses were $1,928,300, but the reviewed source did not provide a complete comparable FY2023 balance-sheet record, so FY2023 is not used as the primary two-year comparison. [1][4] IRS filing summaries describe the program as free financial/legal education, online community support, evaluations, and technology tools for underprivileged, distressed, and low-income individuals. [4]
Published Fee Schedule
| Structure | flat |
| Directory summary | Free. Grant-funded nonprofit Chapter 7 filing tool. The required credit counseling course costs about $14.95 through a partner provider, and court filing fees are separate (fee waivers may apply). |
Coverage
No independent second or third geographic-coverage source was located within the six-source limit. Accordingly, no numerical coverage claim is recorded. The provider’s service model is national in presentation but limited by case eligibility, court rules, and state-specific bankruptcy exemptions. [3][4]
Accreditation & Licensing
IRS-derived nonprofit records identify Upsolve Inc. as a 501(c)(3) public charity, with ruling year January 2018. [1]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr | |
| Figures as of | September 14, 2026 |
No confirmed adjudicated settlement, consent order, judgment, or license revocation was identified in the reviewed sources. The Second Circuit vacated a preliminary injunction in 2025 and remanded the unauthorized-practice-of-law case; this was not a final merits judgment and is therefore not treated as an adverse adjudicated outcome. [5]
Cited Sources
- Upsolve, Inc. official website — Upsolve, Inc. (September 14, 2026) — First-party provider website.
- Upsolve Inc - Nonprofit Explorer — ProPublica; IRS Form 990 data (September 14, 2026) — IRS-derived nonprofit identity, EIN, exemption classification, FY2022/FY2024 financial summaries, and filing-year leadership data.
- About Upsolve — Upsolve (September 14, 2026) — First-party identity, mission, history, EIN, address, service description, funder disclosures, and legal disclaimers.
- Everything You Need To Know About Using Upsolve To File Chapter 7 Bankruptcy — Upsolve (September 14, 2026) — First-party service scope, eligibility limits, exclusions, state-specific considerations, referral model, and self-reported outcomes.
- Upsolve INC — Form 990 financials, salaries & grants — Philanthropy.org (September 14, 2026) — Independent presentation of IRS Form 990 filing data, including FY2024 financials, FY2023 revenue, program description, grants, and leadership summary.
- Upsolve, Inc. v. James, No. 22-1345 — U.S. Court of Appeals for the Second Circuit; Justia text mirror (September 14, 2026) — Court opinion confirming the 2025 procedural disposition: preliminary injunction vacated and case remanded; no final merits ruling.