What is the bankruptcy means test?

The bankruptcy means test determines whether you qualify to file Chapter 7 bankruptcy. It compares your average monthly income over the past 6 months to your state's median income. If you're below the median, you automatically qualify. If above, you must pass a second part examining disposable income.

How much debt do you need to file bankruptcy?

There is no minimum debt amount required to file bankruptcy. However, most bankruptcy attorneys recommend filing only when debt exceeds what you can realistically repay within 5 years, typically $10,000 or more.

How long does bankruptcy stay on your credit report?

Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date. Chapter 13 bankruptcy stays for 7 years. Both affect your ability to get new credit, but the impact diminishes over time as you rebuild.

What states does this calculator support?

BankruptcyByState.net supports bankruptcy means test calculations for all 50 states using current federal and state-specific median income figures.

Contact BankruptcyByState.net

Have a question, feedback, or a data correction to report? Email us at beharris234@gmail.com. We typically respond within 1–2 business days.

Types of Inquiries

General questions and feedback: We review all messages and update the site based on user feedback. Email beharris234@gmail.com.

Data corrections: If you believe a median income figure, exemption amount, or other data point is outdated or incorrect, please include the specific page URL, the value you believe is wrong, and a link to an official government source for the correct figure. We will review and update promptly.

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What We Cannot Help With

BankruptcyByState.net is not a law firm and cannot answer questions about your specific bankruptcy situation, advise on exemption strategy, review your means test, process bankruptcy filings, or refer you to free legal aid. For free legal help, contact your local Legal Aid Society or your state bar's lawyer referral service. For attorney representation, visit our Find an Attorney directory.