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2020 Best Invention

Means Test


The test that determines if a person is eligible for Chapter 7 bankruptcy.

Learn more about "Means Test"

It's a two step analysis that begins by comparing the filer's currently monthly income to the median income for the state. If the filer's income is less, they qualify for Chapter 7 relief. If not, the rest of the means test analysis must be completed to determine whether they may file Chapter 7 bankruptcy.


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. 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.