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Use our Chapter 7 Means Test Calculator by Clicking Here.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Median State Income by Family Size,
that go into effect on November 1, 2009.

 

 

 

Family Size

 

 

State

1 earner

2 People

3 People

4 People *

Alabama

$38,415

$48,075

$55,631

$65,311

Alaska

$52,130

$74,073

$77,544

$85,422

Arizona

$42,628

$56,894

$62,066

$69,452

Arkansas

$33,531

$44,415

$48,721

$57,905

California

$48,140

$64,878

$70,890

$79,477

Colorado

$47,253

$64,985

$69,977

$81,644

Connecticut

$58,529

$72,586

$86,643

$102,124

Delaware

$46,414

$60,953

$70,075

$88,725

District of Columbia

$42,270

$68,892

$69,294

$69,294

Florida

$41,226

$52,259

$58,574

$69,009

Georgia

$40,691

$55,258

$61,104

$68,502

Hawaii

$55,418

$67,199

$77,539

$91,483

Idaho

$39,625

$51,474

$52,765

$62,051

Illinois

$46,105

$60,052

$71,329

$81,465

Indiana

$40,828

$52,554

$59,650

$70,873

Iowa

$40,061

$55,284

$64,372

$72,961

Kansas

$41,357

$57,767

$63,438

$72,610

Kentucky

$37,584

$45,653

$54,683

$64,459

Louisiana

$37,464

$48,287

$53,461

$66,256

Maine

$38,812

$50,912

$62,076

$70,374

Maryland

$55,238

$73,061

$85,455

$101,803

Massachusetts

$53,505

$69,451

$82,591

$99,648

Michigan

$43,611

$52,620

$61,737

$74,824

Minnesota

$45,262

$62,384

$75,073

$86,637

Mississippi

$32,068

$42,758

$46,685

$58,518

Missouri

$39,645

$51,568

$60,371

$71,059

Montana

$40,122

$52,497

$58,636

$65,827

Nebraska

$40,352

$56,861

$63,702

$72,542

Nevada

$46,316

$60,449

$67,052

$71,104

New Hampshire

$51,515

$64,204

$79,668

$93,926

New Jersey

$60,026

$72,000

$86,070

$103,261

New Mexico

$36,773

$50,637

$50,637

$55,561

New York

$46,485

$58,109

$69,421

$82,457

North Carolina

$38,794

$52,194

$56,930

$67,295

North Dakota

$36,884

$54,662

$62,635

$75,140

Ohio

$41,873

$52,216

$61,772

$73,301

Oklahoma

$39,068

$50,891

$54,522

$62,037

Oregon

$42,495

$56,019

$62,832

$72,667

Pennsylvania

$44,555

$53,763

$67,757

$77,867

Rhode Island

$45,222

$62,806

$76,846

$87,002

South Carolina

$39,191

$51,374

$55,296

$65,655

South Dakota

$36,844

$54,331

$63,153

$70,182

Tennessee

$37,732

$49,110

$54,014

$64,228

Texas

$38,940

$55,859

$59,222

$66,381

Utah

$50,568

$56,932

$61,905

$69,990

Vermont

$41,742

$56,858

$65,326

$74,163

Virginia

$48,362

$65,122

$74,151

$85,939

Washington

$51,344

$64,158

$72,533

$82,716

West Virginia

$39,275

$43,224

$51,836

$58,479

Wisconsin

$42,356

$57,405

$68,123

$80,530

Wyoming

$44,161

$59,830

$65,820

$76,964

 

 

 

 

 

* For cases filed on or before March 31, 2007, add $6,300 for each individual in excess of 4.

 

For cases filed on or after April 1, 2007, add $6,900 for each individual in excess of 4.

 

 

 

 

 

 

Commonwealth or U.S. Territory

1 earner

Family Size

2 People

3 People

4 People *

Guam

$36,019

$43,066

$49,076

$59,389

Northern Mariana Islands

$24,187

$24,187

$28,141

$41,390

Puerto Rico

$20,384

$20,384

$23,196

$27,532

Virgin Islands

$28,577

$34,348

$36,621

$40,123

 

 

 

 

 

* For cases filed on or before March 31, 2007, add $6,300 for each individual in excess of 4.

 

For cases filed on or after April 1, 2007, add $6,900 for each individual in excess of 4.

 

 

 

 

 

 

 

 

 

 

 

Are you eligible to file Chapter 7?

1st. Stage of the Bankruptcy Means Test: Check to see if the monthly average of your last 6 months gross income is below the median income for your state. If it is you can file Chapter 7: State Median Incomes

2nd. Stage of the Bankruptcy Means Test: If your income is slightly higher than your state's median income you may still be able to file Chapter 7. Your bankruptcy lawyer will be able to make this calculation and also advise on allowable expenses that can be used in the calculation.

Government explanation of the bankruptcy means test.  

Bankruptcy means test form your lawyer will complete for you.

 

Two extra hoops to jump through

  1. A person filing Chapter 7 bankruptcy will have to take an approved Credit Counseling Course within the 6 months before he or she files. Your bankruptcy lawyer can set this up for you or you can find a list of approved credit counselors here. In some cases the course can be taken over the Internet.

  2. An approved Financial Management Course will have to be completed before you can be discharged. Your bankruptcy lawyer can set this up for you or you can find a list of approved credit counselors here.

 

 

 

 

 

 

 

 

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