Bankruptcy Means Test Calculator for Every Washington County

Automatically apply the Washington median income standards and county expense standards your means test calculation.

Bankruptcy Courts for Every Washington County

Bankruptcy Courts Serving Washington

Washington Bankruptcy Exemption Laws

Automatically apply the Washington median income standards and county expense standards your means test calculation.

Filing Bankruptcy In Washington's "Bankruptcy By Zip Code" website has provided free, local bankruptcy information to more than 10 million consumers since 2006!

How to File 

Bankruptcy Court


Types of Debt

  • Secured Debts: Bankruptcy doesn't get rid of secured debts. You'll be asked what you plan to do about your secured debts when you file. Your options are:  -
    • Surrender: Give back the property, and wipe out any remaining deficiency balance in bankruptcy. 
    • Redeem: - Come up with the cash the buy the property outright, at its current value.. 
    • Reaffirm: - Keep the arrangement you have, and leave this debt unaffected by your bankruptcy.
    • Common Types Secured Debts:
      • Mortgages
      • Car Loans
      • Judgement Liens:
        • How to "void" them on exempt property.
  • Unsecured Debts: Most unsecured debts, like credit cards and medical debts can be discharged in bankruptcy.
    • Credit Card Debt
    • Medical Debt
    • Personal Loans
    • Payday loans
  • Unsecured Debts that require extra steps:

DIY Solutions

  • UpSolve: Upsolve is a new way to file for bankruptcy that is well-suited to debtors who have little or no property.
  • SoloSuit: If you've been sued for a debt, SoloSuit can help you stave off a wage garnishment. 

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. See a bankruptcy lawyer for advice about how the law relates to your situation.


Free Bankruptcy Case Evaluation For Washington

Do you have questions about filing bankruptcy in Washington? Use the form below to connect with a lawyer through the Nolo / Martindale network of bankruptcy lawyers For Washington.
SPONSORED FORM - Nolo/Martindale Attorney Network

Means Test Calculator for Your County, For Cases Filed on or after May 15, 2023

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version: help you determine whether you pass the "means test" for Chapter 7 bankruptcy.



Washington Bankruptcy Exemptions - All Categories

Washington Exemptions Summary:


Real property, manufactured home, or mobile home to the greater of  (a) $125,000; (b) The county median sale price of a single-family home in the preceding calendar year (the statewide average for 2020 was $452,400); $172,900 to $729,600, depending on county.

Vehicle Exemption

Motor vehicle to $3,250 total for individual (two vehicles to $6,500 for community)

Personal Property

Appliances, furniture, household goods, home & yard equipment to $6,500 total for individual ($13,000 for community)
Books & electronic media to $3,500
Burial ground
Clothing, no more than $1,000 in furs, jewelry, ornaments
Food & fuel for comfortable maintenance
Fire insurance proceeds for lost, stolen, or destroyed exempt property
Keepsakes & family pictures
Farmer's trucks, stock, tools, seed, equipment, & supplies to $10,000 total
Library, office furniture, office equipment, & supplies of physician, surgeon, attorney, clergy, or other professional to $10,000 total
Tools & materials used in any other trade to $10,000

Wild Card

$3,000 of any personal property (no more than $1,500 in cash, $500 bank deposits, bonds, stocks, & securities/$200 limit if debt owed to state agency)



How to use ChatGPT (and Other AI Tools) to Navigate the Bankruptcy Process in Washington

If you've been reading at all, you know that the improvement in generative AI tools, like ChatGPT v.4, have made it possible now to get work done more quickly than ever, especially in knowledge fields like law.

This is great news for consumers because now they can use ChatGPT as a research assistant when exploring their debt relief options.

This article will show you how to effectively use AI tools, like ChatGPT, Google Bard, and, to help you through the bankruptcy process in your state and county.

Getting Started

To effectively use AI, you must understand it's an auto-complete machine. So, to get an answer you can use, crafting the question is very important. This is called prompt engineering. They teach courses in prompt engineering to young lawyers at big law firms.

In our tests here at, we have discovered that GPT4 does best when answering questions like the ones that follow. Sometimes, it will say it can't give you information about legal matters. But, if you rephrase the question and ask what a lawyer would ask me in this situation, it is quite free and gives good information you can use as a foundation for further research. more...