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Bankruptcy Means Test

To qualify to file Chapter 7 bankruptcy, you need to "pass the means test." The means test is this long, ten-page form with IRS averages and income calculations that can be quite time-consuming to complete.

The gist of it is this: compared to other families of your size, do you make more money or less? If more, do you spend it all? If so, is it reasonable that you spend it how you spend it?

To get a feel for what the bankruptcy means test looks like for a California bankruptcy, you can visit the online means test here.

Just because you make more than the median income for a household size the same as yours, that doesn't mean you aren't eligible for Chapter 7 bankruptcy. A competent, skilled and experienced bankruptcy attorney can help you.


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We are a federally designated debt relief agency pursuant to Title 11 of the US Code.
We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code