Means Test FAQ

The bankruptcy means test was added to US bankruptcy law in 2005 as part of the credt-card-industry sponsored bankruptcy law to weed out so-called "bankruptcy-abusers" -- hence the language about a "presumption of abuse" (just to make you feel extra ashamed for exercising your right to bankruptcy!).

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Updated: 2021-04-30

by Albin Renauer

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Means Test Calculator for Sacramento County, For Cases Filed on or after April 1, 2024

California Bankruptcy Exemptions

Your questions about the bankruptcy means test, answered.

by Albin Renauer

Albin Renauer has spent his career making consumer law information free and accessible to everyone. In the 1990s Albin worked with Nolo Press to invent WillMaker and LivingTrustMaker and ran Nolo website back in the DotCom era of Y2K. In 2006, Albin launched LegalConsumer.com and the free Bankruptcy Means Test Calculator. Millions of consumers have used these FREE tools and information to learn about their rights under bankruptcy law. For more than 30 years, Albin co-authored 22 editions of Nolo's bestselling guide How to File for Chapter 7 Bankruptcy from 1989 to 2023. Albin is currently exploring ways that AI can increase consumers' access to justice.

Jurisdictional relevance: US

The content of this article pertains to all US states and counties.

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Means Test Calculator For Your County

The Means Test Calculator is an automated version of the official three-part test form. Just choose your zip code, and the calculator applies the relevant state median income and county living standards, based on the number of persons in your household, your marital status and what county you live in.
Welcome

A quick summary of the main exemptions under California law.

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