What is the Chapter 7 Means Test & How Can I Pass It?

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If you’re considering filing for Chapter 7 bankruptcy, understanding the means test is crucial. The Chapter 7 means test serves as a pivotal determinant of your eligibility for bankruptcy relief. In this guide, we’ll explore the intricacies of the means test, examining its significance in the bankruptcy process.

Qualification Criteria

To qualify for Chapter 7 bankruptcy, individuals must meet specific criteria outlined in the means test. This test compares your income over the past six months with the median income of a similar household size in your state. If your income falls below the state’s median income, you automatically pass the means test and qualify for Chapter 7 bankruptcy relief.

Worksheet Completion

For individuals whose income exceeds the state’s median, completing a detailed worksheet is necessary to determine eligibility for Chapter 7 bankruptcy. This worksheet evaluates various financial aspects, including expenses and disposable income. By meticulously documenting your financial situation, you can increase your chances of passing the means test and securing bankruptcy relief.

Overcoming Financial Challenges

Navigating through this test can be challenging, especially for individuals with higher incomes. However, there are strategies you can employ to increase your likelihood of passing the test successfully. Consider exploring exemptions and deductions allowed under the bankruptcy code to reduce your disposable income and meet the eligibility criteria for Chapter 7 bankruptcy.

Special Circumstances

In certain cases, individuals facing special circumstances may still qualify for Chapter 7 bankruptcy relief, even if their income exceeds the state’s median. High medical expenses, for example, can be considered special circumstances that may exempt you from strict means test requirements. By documenting and presenting evidence of these exceptional circumstances, you can strengthen your case for Chapter 7 eligibility.

Additional Resources

Navigating Chapter 7 means the test can be complex, but you don’t have to go through it alone. Various resources and support services are available to assist individuals throughout the bankruptcy process. From legal aid organizations to financial counseling services, accessing additional support can provide valuable guidance and assistance in your journey toward debt relief.


Mastering the Chapter 7 means test is essential for individuals seeking bankruptcy relief. By understanding the qualification criteria, completing necessary worksheets, and leveraging special circumstances, you can increase your chances of passing the means test and securing Chapter 7 bankruptcy relief.

If you would like more information, contact us at 913-422-0909 or visit our website www.kansascitybankruptcy.com. At W M LAW, we are “Here to Help”.

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Jeffrey L. Wagoner


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