Chapter 7 Bankruptcy Means Test

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Although Chapter 7 bankruptcy is the most popular type of bankruptcy relief, not everyone is eligible to file under this chapter. There are several eligibility criteria to qualify for Chapter 7. The most significant is the means test. Under the means test, if your income is above a certain level and the court determines that you have enough income to pay down some of your debts through a Chapter 13 repayment plan (over three to five years), then you can't file for Chapter 7 bankruptcy. Instead, you'll have to file for Chapter 13 bankruptcy.

Below you'll find articles about the eligibility requirements for Chapter 7 bankruptcy, including how the means test works and ways you might qualify for Chapter 7 relief even if your income is high.

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By clicking "Find a Lawyer", you agree to the Martindale-Nolo Texting Terms. Martindale-Nolo and up to 5 participating attorneys may contact you on the number you provided for marketing purposes, discuss available services, etc. Messages may be sent using pre-recorded messages, auto-dialer or other automated technology. You are not required to provide consent as a condition of service. Attorneys have the option, but are not required, to send text messages to you. You will receive up to 2 messages per week from Martindale-Nolo. Frequency from attorney may vary. Message and data rates may apply. Your number will be held in accordance with our Privacy Policy.

You should not send any sensitive or confidential information through this site. Any information sent through this site does not create an attorney-client relationship and may not be treated as privileged or confidential. The lawyer or law firm you are contacting is not required to, and may choose not to, accept you as a client. The Internet is not necessarily secure and emails sent through this site could be intercepted or read by third parties.

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