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What Is the Bankruptcy Means Test in Kansas?

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Written by the Upsolve Team
Updated October 1, 2020


The state motto of Kansas is a Latin phrase that translates to "To the stars, through difficulties." The very foundation of being a Jayhawk acknowledges that to reach what may feel impossible at times, one must first navigate significant challenges. If you are struggling to make ends meet, no matter how hard you work, you are familiar with what it means to navigate significant challenges. Thankfully, there are resources available that will help to get you through some of these challenges and a little closer "to the stars." For example, many Kansans file forChapter 7 bankruptcy to get out of an unmanageable debt load. Lower-income households that meet certainincome limits are generally eligible for this process. It is uniquely beneficial among various kinds of Kansas bankruptcy because it simultaneouslyerases most or all of an applicant’s debts while allowing that applicant to keep most or all of their property, all in the span of 4 months or less. To qualify for this fresh financial start, individuals and families must pass the Chapter 7 Means Test. This evaluation compares your income, expenses, and debts to determine whether those debts can reasonably be paid off over time.

Kansas Median Income Levels

Kansas Median Income Standards for Means Test for Cases Filed In 2022
Household SizeMonthly IncomeAnnual Income
1$4,589.08$55,069.00
2$6,320.42$75,845.00
3$7,364.08$88,369.00
4$8,204.50$98,454.00
5$9,029.50$108,354.00
6$9,854.50$118,254.00
7$10,679.50$128,154.00
8$11,504.50$138,054.00
9$12,329.50$147,954.00
10$13,154.50$157,854.00

Discharge in Bankruptcy for Kansas

The process of erasingmedical debt, credit card debt and other eligible financial burdens following a Chapter 7 bankruptcy is commonly referred to as getting a discharge. A Kansas bankruptcy discharge is only granted after all steps of the process are completed. If you are eligible for this benefit, you may want to seriously consider filing for Chapter 7 bankruptcy, as doing so will ease your monthly financial obligations significantly. When debt is eliminated, families can concentrate on their immediate needs and on becoming financially healthier down the line. If you pass the Chapter 7 Means Test, the process will be so straightforward that you can likely complete it without hiring an attorney.

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Upsolve was my answer to filing Chapter 7 bankruptcy. I couldn't afford an attorney and I was able to fill out the forms on my smartphone. It was explained in an easy-to-use format for the everyday lay person. This software is free to use and has YouTube videos as well. I highly recommend using Upsolve if you cannot afford an attorney.
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I just had my 341 Meeting on May 5th at 10:30 am. The trustee first asked me to be sworn in by standing and raising my right hand. It was a little weird getting out my car, standing and raising my hand because I had to work that day, but I did so. I had to confirm my name for the record and have I read the bankruptcy information sheet; did I my petitions, and am I the one that signed then. Then the yes or no questions started exactly like the Upsolve 341 Meeting video. Have I filed bankruptcy before; my marital status; length of time since my divorce; do I owe alimony or child support; am I renting; place of employment; do I own a car; how much did I pay for it; have I ever owned real estate; view and verify the information on my tax form; have I listed all creditors. The trustee then said that he needed no further information, and there is nothing more I need to do and this concludes the meeting and I can hang up and finally breathed. The meeting lasted about 15 to 20 minutes! Now I’m waiting for the 60 days to be over, and pray that there truly is nothing more for me to do. Thank you so much Upsolve for being there for me, and for the chest compressions when the stress seemed a little too much at times. Your platform has truly been a blessing. I couldn’t have done this on my own. My prayers to everyone! Remember to breathe. One final thing. The questions that are asked by the trustee are not verbatim. They are similar. Just listen carefully and answer.
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Kansas Means Test Calculator

One of the easiest ways to determine whether you are likely to qualify for Chapter 7 bankruptcy involves using an online Kansas Means Test calculator. This tool will allow you to compare your own household size, income and expenses against the requirements that determine your ability to file your Kansas bankruptcy as a Chapter 7. Your Means Test results will inform your decision to file (or not file) for bankruptcy relief. Therefore, it’s important that these results are accurate. Unfortunately, not all online Means Test calculators are regularly updated as income limits and other important standards change. Thankfully, the legal aid nonprofit organization Upsolve maintains current, state-specificMeans Test calculators at all times. As an added benefit to using these calculators, you can reach out to the legal aid team at Upsolve at any time if you have questions about your results. Thisnonprofit organization provides bankruptcy legal aid to low-income filers and helps higher-income filersfind attorneys to assist them with debt management solutions.

What Happens if I Fail the Means Test for Kansas?

If your Chapter 7 Means Test results indicate that you are not a prime candidate for this specific kind ofKansas bankruptcy, please don’t panic. There are other debt relief options that may be right for you and your family. For example, many residents of the Sunflower State benefit from filing forChapter 13 bankruptcy. This debt management option is commonly referred to as "reorganization bankruptcy" because it allows filers to restructure their debts to make them more manageable. Sometimes, all it takes to get a family's finances back on track is significantly lowering their monthly debt payments. Like Chapter 7 bankruptcy, Chapter 13 bankruptcy allows families to focus more on their immediate needs and financial wellbeing rather than the stress of piles and piles of overdue debt. If you are interested in exploring some Chapter 7 bankruptcy alternatives, you can schedule a risk-freeconsultation with an attorney.



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The Upsolve Team

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

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