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Means Test Calcluator

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Kentucky Median Income standards for Means Test

Standard applied based on petition date.

(Note median income standards change on November 1, 2016.)

Number of persons in household:
1 2 3 4 5 6 7 8 9 10
Monthly Median Income - November 1, 2016 3,505 4,240 4,748 5,996 6,696 7,396 8,096 8,796 9,496 10,196
Annual Median Income - November 1, 2016 42,058 50,882 56,977 71,955 80,355 88,755 97,155 105,555 113,955 122,355
Monthly Median Income - May 1, 2016 - October 31, 2016 3,449 4,071 4,760 5,806 6,506 7,206 7,906 8,606 9,306 10,006
Annual Median Income - May 1, 2016 - October 31, 2016 41,382 48,856 57,125 69,676 78,076 86,476 94,876 103,276 111,676 120,076

or . . .

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McCracken County Means Test Calculator [KYW] (Paducah)

Pike County Means Test Calculator [KYE] (Pikeville)

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Oldham County Means Test Calculator [KYW] (La Grange)

Laurel County Means Test Calculator [KYE] (London)

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Scott County Means Test Calculator [KYE] (Georgetown)

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Nelson County Means Test Calculator [KYW] (Bardstown)

Barren County Means Test Calculator [KYW] (Glasgow)

Shelby County Means Test Calculator [KYE] (Shelbyville)

Floyd County Means Test Calculator [KYE] (Prestonsburg)

Calloway County Means Test Calculator [KYW] (Murray)

Graves County Means Test Calculator [KYW] (Mayfield)

Greenup County Means Test Calculator [KYE] (Greenup)

Whitley County Means Test Calculator [KYE] (Williamsburg)

Clark County Means Test Calculator [KYE] (Winchester)

Knox County Means Test Calculator [KYE] (Barbourville)

Muhlenberg County Means Test Calculator [KYW] (Greenville)

Marshall County Means Test Calculator [KYW] (Benton)

Harlan County Means Test Calculator [KYE] (Harlan)

Perry County Means Test Calculator [KYE] (Hazard)

Bell County Means Test Calculator [KYE] (Pineville)

Meade County Means Test Calculator [KYW] (Brandenburg)

Boyle County Means Test Calculator [KYE] (Danville)

Carter County Means Test Calculator [KYE] (Grayson)

Logan County Means Test Calculator [KYW] (Russellville)

Montgomery County Means Test Calculator [KYE] (Mount Sterling)

Grayson County Means Test Calculator [KYW] (Leitchfield)

Woodford County Means Test Calculator [KYE] (Versailles)

Lincoln County Means Test Calculator [KYE] (Stanford)

Grant County Means Test Calculator [KYE] (Williamstown)

Letcher County Means Test Calculator [KYE] (Whitesburg)

Taylor County Means Test Calculator [KYW] (Campbellsville)

Ohio County Means Test Calculator [KYW] (Hartford)

Johnson County Means Test Calculator [KYE] (Paintsville)

Rowan County Means Test Calculator [KYE] (Morehead)

Clay County Means Test Calculator [KYE] (Manchester)

Anderson County Means Test Calculator [KYE] (Lawrenceburg)

Mercer County Means Test Calculator [KYE] (Harrodsburg)

Wayne County Means Test Calculator [KYE] (Monticello)

Breckinridge County Means Test Calculator [KYW] (Hardinsburg)

Bourbon County Means Test Calculator [KYE] (Paris)

Allen County Means Test Calculator [KYW] (Scottsville)

Marion County Means Test Calculator [KYW] (Lebanon)

Harrison County Means Test Calculator [KYE] (Cynthiana)

Adair County Means Test Calculator [KYW] (Columbia)

McCreary County Means Test Calculator [KYE] (Whitley City)

Hart County Means Test Calculator [KYW] (Munfordville)

Russell County Means Test Calculator [KYW] (Jamestown)

Mason County Means Test Calculator [KYE] (Maysville)

Simpson County Means Test Calculator [KYW] (Franklin)

Spencer County Means Test Calculator [KYW] (Taylorsville)

Rockcastle County Means Test Calculator [KYE] (Mount Vernon)

Garrard County Means Test Calculator [KYE] (Lancaster)

Knott County Means Test Calculator [KYE] (Hindman)

Casey County Means Test Calculator [KYW] (Liberty)

Lawrence County Means Test Calculator [KYE] (Louisa)

Henry County Means Test Calculator [KYE] (New Castle)

Union County Means Test Calculator [KYW] (Morganfield)

Pendleton County Means Test Calculator [KYE] (Falmouth)

Estill County Means Test Calculator [KYE] (Irvine)

Fleming County Means Test Calculator [KYE] (Flemingsburg)

Trigg County Means Test Calculator [KYW] (Cadiz)

Larue County Means Test Calculator [KYW] (Hodgenville)

Morgan County Means Test Calculator [KYE] (West Liberty)

Breathitt County Means Test Calculator [KYE] (Jackson)

Lewis County Means Test Calculator [KYE] (Vanceburg)

Webster County Means Test Calculator [KYW] (Dixon)

Jackson County Means Test Calculator [KYE] (McKee)

Magoffin County Means Test Calculator [KYE] (Salyersville)

Caldwell County Means Test Calculator [KYW] (Princeton)

Martin County Means Test Calculator [KYE] (Inez)

Butler County Means Test Calculator [KYW] (Morgantown)

Powell County Means Test Calculator [KYE] (Stanton)

Todd County Means Test Calculator [KYW] (Elkton)

Edmonson County Means Test Calculator [KYW] (Brownsville)

Washington County Means Test Calculator [KYW] (Springfield)

Bath County Means Test Calculator [KYE] (Owingsville)

Leslie County Means Test Calculator [KYE] (Hyden)

Green County Means Test Calculator [KYW] (Greensburg)

Monroe County Means Test Calculator [KYW] (Tompkinsville)

Owen County Means Test Calculator [KYE] (Owenton)

Carroll County Means Test Calculator [KYE] (Carrollton)

Clinton County Means Test Calculator [KYW] (Albany)

Metcalfe County Means Test Calculator [KYW] (Edmonton)

McLean County Means Test Calculator [KYW] (Calhoun)

Livingston County Means Test Calculator [KYW] (Smithland)

Crittenden County Means Test Calculator [KYW] (Marion)

Trimble County Means Test Calculator [KYE] (Bedford)

Gallatin County Means Test Calculator [KYE] (Warsaw)

Hancock County Means Test Calculator [KYW] (Hawesville)

Bracken County Means Test Calculator [KYE] (Brooksville)

Lyon County Means Test Calculator [KYW] (Eddyville)

Ballard County Means Test Calculator [KYW] (Wickliffe)

Lee County Means Test Calculator [KYE] (Beattyville)

Elliott County Means Test Calculator [KYE] (Sandy Hook)

Wolfe County Means Test Calculator [KYE] (Campton)

Nicholas County Means Test Calculator [KYE] (Carlisle)

Cumberland County Means Test Calculator [KYW] (Burkesville)

Fulton County Means Test Calculator [KYW] (Hickman)

Menifee County Means Test Calculator [KYE] (Frenchburg)

Carlisle County Means Test Calculator [KYW] (Bardwell)

Hickman County Means Test Calculator [KYW] (Clinton)

Owsley County Means Test Calculator [KYE] (Booneville)

Robertson County Means Test Calculator [KYE] (Mount Olivet)


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Welcome, Kentucky users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local 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 means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com 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 and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Kentucky exemption laws, which determine what property you'd get to keep in bankruptcy.

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 you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's 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. The book clearly explains what doesn't bankruptc yan and cannot do.

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 Kentucky 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.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For 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."
-Forbes

"Exceptionally clear…"
-The New York Times

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


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."
Newsweek
"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."
Forbes
"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
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, 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 new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"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, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


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

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


 

Welcome, Kentucky users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local 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 means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com 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 and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Kentucky exemption laws, which determine what property you'd get to keep in bankruptcy.

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 you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's 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. The book clearly explains what doesn't bankruptc yan and cannot do.

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 Kentucky 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.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For 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."
-Forbes

"Exceptionally clear…"
-The New York Times

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


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."
Newsweek
"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."
Forbes
"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
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, 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 new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"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, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


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

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today