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Means Test

There are several factors that help determine which bankruptcy chapter you qualify for and what will be the best fit for your long-term reorganization. These factors include the type of debt you have, your assets, and your budget, as well as the results of your means test.

In 2005, the bankruptcy law changed to include the means test, which helps you determine if you have the ability to pay off your debts and if you qualify for a Chapter 7 or Chapter 13 bankruptcy. While we recommend coming into our office, so we can take you through all the steps in the means test, knowing how your income compares to the median income is an important first step in the process. Use this tool to compare your income to the median income in your county. (Note: This online test is intended for informational purposes only, and not as legal advice.)

Are you above or below the median income for your county?

(Enter your info and hit the "Submit" button to find out.)

Your result: