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.
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:
...to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.
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The means test spans three forms and more than 50 questions about your income and expenses. Here's a line by line TOC with direct links to our Means Test Calculator.
The means test initially looks to see if your household income is above or below median for a household your size in your state.
The 2005 Bankruptcy Law (BAPCPA) created the means test, ostensibly to prevent people from abusing bankruptcy. The means test mans you can't file for Chapter 7 bankruptcy if your income is above the median income for your state, or your allowed expenses leave enough disposable income to fund pay some of your debts over 5 years. In fact, most people who file for Chapter 7 bankruptcy have no trouble passing the means test.