Chapter 7 Means Test Calculator

3,373 families filed bankruptcy using Upsolve.

Written by Kristin Turner.  
Updated August 16, 2019

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One of the requirements to file for bankruptcy relief under Chapter 7 is an income test. The Chapter 7 Means Test calculator determines if your average monthly income is above or below the median income for a family of your size in your state.

When Congress changed the bankruptcy laws in 2005, income requirements were added to prevent bankruptcy abuse. You can file under Chapter 7, but if your income exceeds a certain amount, you are not eligible for a bankruptcy discharge. You should not only consider if you’re eligible for filing, but also whether you should in the first place.

Many law firms and other companies began using a Chapter 7 Means Test calculator to perform a quick analysis of a person’s income. If the person passes the test, he or she can file a Chapter 7.

A quick Chapter 7 means test calculator is an easy way to know whether or not the person needed to perform a more in-depth test.

Obtaining a Bankruptcy Discharge

bankruptcy discharge is the goal of filing a bankruptcy case. Your discharge is what eliminates your legal obligation to repay the debt. A creditor cannot collect any debt that is discharged in your bankruptcy case.

Therefore, it is very important that you use a Chapter 7 Means Test calculator that provides correct figures. You want to file a Chapter 7 if possible because you can be debt-free within four to six months after filing. The process begins with a Chapter 7 Means Test calculator.

If you need a fresh start, click here to start Upsolve’s free bankruptcy process. We guide you through the process of using a Chapter 7 Means Test calculator to calculate if you meet the Chapter 7 income requirements.

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Online Chapter 7 Means Test Calculator

You can search online for a Chapter 7 Means Test calculator, and you will find quite a few. However, you need to make sure that the Chapter 7 Means Test calculator is accurate. Your ability to file Chapter 7 rests on the results of the Chapter 7 Means Test calculator.

Because the figures for the test are updated periodically, the Chapter 7 Means Test calculator could provide incorrect results if it is not updated. Therefore, we encourage you to use the tools we provide at Upsolve. Our information is current so that you can trust that the results you receive for the Means Test are correct.

Upsolve is a nonprofit organization. Our mission is to help low-income Americans get out from under overwhelming debt through Chapter 7. We never charge for our services.

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Using a Chapter 7 Means Test Calculator

The Bankruptcy Court provides the forms for the Means Test on its website. In addition to the forms, the court provides instructions on how to complete the forms. Even though you can use a Chapter 7 Means Test calculator, you must complete the Means Test that the court uses for Chapter 7 cases.

In addition to completing the form, you must also submit copies of your pay advices for six months. Pay advices are your pay stubs or copies of other evidence of your income. The pay advices must show your gross income, all deductions, and net income for each pay period.

The pay advices are averaged over six months to arrive at your average monthly income. Many individuals pass the Means Test on the first section. If you need to complete the second section, you need information about your monthly expenses.

You want to be very careful when completing your monthly expenses. You can only use the expenses allowed by law. In addition, some expenses are limited. You can access a list of the expenses and current limits on the website for the United States Trustee.

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Are You Looking for a Simple Way to Complete the Chapter 7 Means Test?

Upsolve, a Harvard Law School-grown nonprofit that provides Chapter 7 bankruptcy services at no cost to clients has tools that make it easier to complete the means test. Our goal is to make using our Chapter 7 Means Test calculator as easy as possible for you.

We understand you want to know if you qualify for bankruptcy relief under Chapter 7. We want to help you verify that you qualify for a Chapter 7. The quicker you are able to complete the Chapter 7 Means Test calculator, the quicker you can begin preparing your Chapter 7 case to file.

Don’t wait any longer to get on the road to financial well-being. Register with Upsolve and use our Chapter 7 Means Test calculator to see if you qualify for bankruptcy relief under Chapter 7.

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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.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.


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