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. |
Two extra hoops to jump through
- 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.
- 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.
|