2020 Best Invention

What is the Bankruptcy Means Test in Maine?

3 minute read Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool

Written by Attorney Karra Kingston
Updated August 17, 2020

In 2005, Congress reformed the bankruptcy system because it was concerned that people were filing Chapter 7 cases when they could afford to pay their bills. Congress created the Means Test as a way to allow people who really needed relief file a Maine bankruptcy under Chapter 7 of the Bankruptcy Code. There are two parts to the bankruptcy Means Test in Maine. First, you can qualify by showing that your current monthly income is less than the Maine median income for your family size. If you don’t qualify based on your income, there is still another option. The second way to pass the bankruptcy Means Test in Maine is to examine both your income and monthly expenses and see how much disposable income you have leftover. Remember, the first part of the bankruptcy Means Test in Maine only considers your gross income, before taxes and other deductions come out. If, after going through the analysis to account for your expenses, including payroll deductions, there is little or no disposable income, then you can go ahead and file your Maine bankruptcy as a Chapter 7 case. If you still don’t pass the Chapter 7 Means Test, then you may have to look into other forms of relief. 

Maine Median Income Levels

Maine Median Income Standards for Means Test for Cases Filed In 2023
Household SizeMonthly IncomeAnnual Income

Discharge in Bankruptcy for Maine 

Once you receive your Maine bankruptcy discharge, you can move forward with your “fresh start”. A discharge is the Court order that says you’re no longer responsible for paying your debts. This is why people file a Chapter 7 bankruptcy, to eliminate their debts, so consider it the primary goal in your Maine bankruptcy case. You should know that some debts, like child support, are non-dischargeable. Luckily, most unsecured debts like credit cards and medical bills are dischargeable. It’s important that you follow all of the necessary steps so that your case moves along smoothly. You must properly file all of your paperwork and complete all of the necessary steps in your Maine bankruptcy, so that you receive a discharge. The discharge notice should be issued approximately 60 days after your 341 hearing, also known as the Meeting of Creditors

Upsolve User Experiences

2,190+ Members Online
Fair Ebony
Fair Ebony
★★★★★ 7 hours ago
Before I cam across UpSolve, I was going to pay over 2500 to file chapter 7 bankruptcy. My chance I cam across Upsolve and had the paperwork filed for free! This is a great website for those who may want a new start and don't want to go back into debt trying to obtain it. I'm grateful for all their help!
Read more Google reviews ⇾
Dee Diva
Dee Diva
★★★★★ 2 days ago
Thank you so much to this company for helping me file by myself for a new start. As a senior citizen you're unlimited income, so this was a great great help
Read more Google reviews ⇾
Brent Scott
Brent Scott
★★★★★ 2 days ago
the court cleark said, "Are these forms from Upsolve? Great! There always perfect. Just what we need."
Read more Google reviews ⇾

Maine Means Test Calculator

A Means Test calculator can help you determine if you qualify for a Chapter 7 bankruptcy. If you do a simple online search you will find many calculators you can use for free. You need  to make sure you use a current Means Test calculator; it’s very important you use a calculator that is up- to-date. Means Test figures change often and many of these online calculators have been left outdated. It’s also important to note that each state and county uses its own figures so, it’s best to make sure you are using a Maine Means Test Calculator that lets you add, at minimum, the county you live in. Making sure that you have the most up-to-date information on what amounts you can claim for your monthly expenses is vital and will ultimately determine if you qualify under the Chapter 7 means Test. Upsolve’s mean test calculator for Maine is current to the day, so you can rest assured that you are using the most current information. Upsolve can also help guide you through the bankruptcy process to put you on the path to getting your discharge and a fresh start! 

What Happens If I Fail The Means Test for Maine?

If you go through the full Means Test calculation and don’t qualify to file your Maine bankruptcy under Chapter 7, we recommend reviewing your calculations. Go through the full Chapter 7 Means Test calculation again to confirm you added all the reasonable monthly expenses possible. You can and should include allowed expenses even if you have them only once or twice per year. Also, take a second look at your monthly expenses to make sure you didn’t miss any categories - like childcare or ongoing contributions to the care of household or family members. Sometimes missing even one of these expenses could make the difference in qualifying. If you still don’t qualify after reviewing everything, then you may want to wait to file. Do you have any expected changes on the horizon? Are you or your partner pregnant? That will increase your family size for Chapter 7 Means Test purposes. Is there a possibility that you may be laid off? Or is your work seasonal? If so, the timing of your filing can be key. If it’s right after you’re laid off, your average monthly income will be based on the past 6 months of regular employment, but 2 months from now, that average will go down, showing that you don’t have as much income and possibly allowing you to pass the Chapter 7 Means Test. Upsolve can help qualify for your Maine bankruptcy. If none of these scenarios apply to you then a Chapter 13 bankruptcy may be an alternative. You can also speak with a bankruptcy lawyer to see if they have any suggestions for how you might be able to pass the Chapter 7 Means Test you or guide you in the right direction with respect to your options

Written By:

Attorney Karra Kingston


Ms. Kingston began her career as a bankruptcy attorney. She has appeared in front of many federal court judges and has helped numerous debtors obtain a fresh start. Ms. Kingston understands the complex federal rules for discharging debt. While working as a bankruptcy attorney, Ms... read more about Attorney Karra Kingston

It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:

Free Web App

Take our screener to see if Upsolve is right for you.

Take Screener
11,002 families have filed with Upsolve! ☆

Private Attorney

Get a free bankruptcy evaluation from an independent law firm.

Find Attorney

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.