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Bankruptcy Means Test Calculator for Santa Ana, California 92701

Bankruptcy Means Test Calculator
for Santa Ana, California (Orange County)

public beta* - version 20141201

CloseMeans Test Calculator

Version 20141201 (December 1, 2014)

This is a public beta. "Public beta" means that, to my knowledge, this calculator is working correctly. When I am made aware of errors I fix them. As of this version, there are no errors I know of.

That said, I've developed enough software over the years to know that there are always cases that turn up that were not encountered in testing. Also, this revision features several under the hood rewrites to make the code more efficient and easier to maintain.

So, as always, please, if you encounter an error, let me know (click here) and I will investigate, and fix it. Thanks! Other users will thank you.

Use the calculator as you see fit. You can click the links to original sources to confirm that they are correct and up to date. You can also check its math. As far as I know, it's correct. Chances are, this will always be a beta because it is being constantly updated, tweaked, enhanced, etc.

I hope you find it useful as you decide how to deal with your financial affairs.

Albin J. Renauer, creator and developer of the Means Test Calculator ©2005-2018
RelationalVision, LLC / Berkeley, CA

For cases filed on on or after April 1, 2020

Based on numbers published by the U.S. Trustee's office for Cases Filed On or After April 1, 2020.) You are user # 1,431,977 of the Means Test Calculator and user # 0 of the new version.

Welcome to the Means Test Calculator

Hello, and welcome to the means test calculator, based on the revised means test forms, effective 4/1/2019.

We've tested the calculator, and feel it's worthy of launching to the public. It's free to use. Please let us know if you find any flaws, and we will fix them.

The calculator does NOT asks for and personal identifying information, other than your zip code, to choose the right county.

Note: The calculator now saves your data whenever you press Enter (or Return) within a field or click Save. After saving your data, you must refresh the page to see your updated values integrated into the summaries and the table of contents, which appear outside the form itself.

So, if you notice stale data in the table of contents or the summary, make sure you save your data (by clicking Save or hitting Enter while in a field) and then refresh the page.

Means Test Expense Standards For Residents of Orange County, CA

Expense Standards for Orange County, California -- for cases filed on or after April 1, 2020
Family of Mortage & Rent Non-Mortgage Housing expenses
1 $1994 $499
2 $2343 $586
3 $2468 $618
4 $2752 $689
5 $2796 $700
6 $2796 $700
7 $2796 $700
8 $2796 $700
9 $2796 $700
10 $2796 $700

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Welcome, California users of Nolo's
How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy helps you find local California information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free Orange County means test calculator.

Learn more...

Albin Renauer, the operator of and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book works perfectly with the local resources,'s means test calculator, and lists of California exemption laws (which determine which assets you can keep in bankruptcy) you'll find on

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that need to file a sucessful bankruptcy petition.

But first, use the book to find out whether or not Chapter 7 is the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using California exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

Note: How to File for Chapter 7 Bankruptcy doe s not cover individual repayment plans (Chapter 13 bankruptcy). See Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."


Forms included:

  • Current Monthly Income Worksheet
  • Personal Property Checklist
  • Property Exemption Worksheet
  • Homeowners’ Worksheet
  • Bankruptcy Forms Checklist
  • Bankruptcy Documents Checklist
  • Median Family Income Chart
  • Judicial Lien Worksheet
  • Amendment Cover Sheet
  • Notice of Change of Address
  • Supplemental Schedule for Property Acquired After Bankruptcy Discharge
  • Proof of Service by Mail
  • Pleading Paper 

How to File for Chapter 7 Bankruptcy

Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA

Buy & Download now: Nolo (publisher)

Chapter 13 Bankruptcy:
Keep Your Property & Repay Your Debts Over Time
(13th edition, 2016)

Chapter 13 Bakruptcy Book
Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can give you an affordable repayment plan -- and let you keep your house, car and other property. Use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the latest bankruptcy exemption laws in your state, which determine which assets you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

In Paperback and eBook
Pub. Date: 2014
Edition: 12th

List Price: $39.99
Buy now:
Nolo (publisher)


Chapter 13 Bankruptcy: Repay Your Debts

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

Buy now: Nolo (publisher)

Sponsored Links for Orange County

The New Bankruptcy: Will It Work For You? (New Bankruptcy)

The new bankruptcy by Attorneys Leon Bayer & Stephen Elias

Is bankruptcy the right solution for your overwhelming debts? Pick the best strategies for your situation with the information and practical suggestions in The New Bankruptcy. Find out:

  • if you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • how bankruptcy affects credit

File for bankruptcy with confidence!

In Paperback and eBook
Pub. Date: 2013
Edition: 5th
Forms: 27 forms

Buy this Book: Nolo (publisher's site)

The New Bankruptcy
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Welcome, users of Nolo's
Credit Repair

Credit Repair

An astounding 80% of credit reports contain errors. If yours is one of them, it can have serious consequences: a bad credit score can make you ineligible for a good rate on a credit card or loan, keep you from renting a place to live, and even sabotage your chances of getting hired for a new job.

Credit Repair shows you how to find mistakes or outdated items in your credit report and get them fixed -- and limit the damage caused by blemishes in your credit history.

In sharp contrast to "fix bad credit" scams, Credit Repair shows how you can effectively rebuild your credit record, step by step. Learn how to:

  • read and understand your credit report
  • get mistakes on your credit report fixed
  • protect your Social Security number
  • get positive information added to your credit report

To avoid future problems,use this bestselling book to create a budget and avoid overspending. Learn how to:

  • get out of debt now
  • negotiate with creditors
  • avoid overspending
  • establish a realistic budget
  • build a financial cushion

Includes all the legal forms you need!

In Paperback and eBook
Pub. Date: 2013
Edition: 11th
Forms: 39 forms

Buy & download now @
Nolo (publisher)

Credit Repair

Press Reviews

"With last year's change in the bankruptcy laws creating unprecedented confusion in the field, it's important to know whether it remains a viable option, and this book will offer both explanations and reassurances..."
Accounting Today
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The Foreclosure Survival Guide

The Foreclosure Survival GuideKeep Your House or Walk Away With Money In Your Pocket
(4th edition, 2013)

by Attorney Stephen R. Elias

Facing foreclosure? Know your options!

If you're having trouble making your mortgage payments or are already in jeopardy of foreclosure, The Foreclosure Survival Guide compassionately gives you the practical information you need, step by step.

An essential tool for anyone at risk of foreclosure, The Foreclosure Survival Guide provides key information about:

  • mortgages, including adjustable rate mortgages (ARMs)
  • short sales
  • deeds in lieu of foreclosure
  • judicial and non-judicial foreclosure
  • credit counseling
  • liens, and
  • using bankruptcy to deal with foreclosure.

The Foreclosure Survival Guide gathers all the information Attorney Stephen R. Elias used to help hundreds of clients in over 30 years and shows you how to deal with foreclosure.

Like many hardworking people facing foreclosure in this rough economy, you deserve answers to your pressing questions. Thorough and easy to understand, The Foreclosure Survival Guide can help you stay in your home or walk away with money in your pocket.

Sponsored Links for Orange County

Solve Your Money Troubles:
Debt, Credit & Bankruptcy
(14th edition, 2013)

How to File For Bakruptcy

Feeling overwhelmed by debts? If you're ready to regain your financial freedom and get smarter about managing your money, you'll find everything you need in this complete guide. Solve Your Money Troubles shows you how to:


  • prioritize debts
  • create a budget
  • negotiate with creditors
  • stop collector harassment
  • challenge wage attachments
  • contend with repossessions
  • respond to creditor lawsuits
  • qualify for a mortgage
  • rebuild credit
  • decide if bankruptcy is the right option for you

To make the process easier, the 14th edition of Solve Your Money Troubles includes sample letters to creditors that reflect changing financial times, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan. You'll also get fully updated state laws and information on dealing with foreclosure.

In Paperback and eBook (Adobe Reader)
Forms: 7 forms

Buy & download now @
Nolo (publisher)

Money Troubles
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