What Is the Bankruptcy Means Test in New Hampshire?

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Written by the Upsolve Team.  
Updated July 31, 2019

New Hampshire state law makes sure that it holds the first presidential primary in the nation. However, this need to remain informed and engaged does not stop with presidential elections. Granite Staters pride themselves on being an informed and engaged bunch. As a result, when New Hampshire residents are struggling with finances and can’t seem to make ends meet despite consistent hard work, they start researching their options. If you are grappling with overwhelming debt, know that one of your most promising debt management solutions isChapter 7 bankruptcy. This process is available tolower-income households only, because the outcome of a Chapter 7 is anelimination of most or all of your debts about 90 days after first filing your case. The government requires applicants to pass a Chapter 7 Means Test to qualify. Otherwise, families that can reasonably pay their debts might try to use this resource to their advantage. It’s therefore important to make sure you areeligible for Chapter 7 bankruptcy before you decide to move forward with a New Hampshire bankruptcy case.

New Hampshire Median Income Levels

New Hampshire Median Income Standards for Means Test for Cases Filed On or After May 1, 2020
Household SizeMonthly IncomeAnnual Income

Discharge in Bankruptcy for New Hampshire

When all steps of the Chapter 7 bankruptcy process are complete, your debts are eliminated when the Court enters your discharge. To qualify for a New Hampshire bankruptcy discharge, your income and expenses must fall within a certain range according to the size of your household. The bankruptcy Means Test in New Hampshire evaluates these three factors against standards provided by state law and IRS guidelines. If you qualify to have your debts erased in a Chapter 7, it’s important to take every step required by the New Hampshire bankruptcy process or your discharge could be denied. Thankfully, if you pass theNew Hampshire Means Test, the “hard part” is over. Now you just need to follow directions carefully and you should be able to file even without the help of a lawyer. 

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New Hampshire Means Test Calculator

You may be wondering, “How do I know whether I pass the bankruptcy Means Test in New Hampshire?" To get an answer to this excellent question, you will want to access a New Hampshire Means Test calculator online. It’s important that you use a calculator that is state-specific, as each state has different Chapter 7 Means Test standards for the Chapter 7 bankruptcy process. It is also important to use aMeans Test calculator that is up-to-date. Not all sites that supply these calculators regularly update them when standards change. Thankfully, you can use the state-specific calculators by Upsolve with confidence. Thenonprofit legal aid team at Upsolve ensures that these resources are always current. When you can access accurate information about your options, you can make informed decisions about what path is right for your family. Regardless of whether you ultimately decide to file a New Hampshire bankruptcy, knowing that you are making an informed debt management decision is a powerful thing. 

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What Happens if I Fail the Means Test for New Hampshire?

The famous motto of New Hampshire is “Live Free or Die.” There are indeed times when a decision, like living free, must be made in an “all or nothing” kind of way. But not all decisions are so black and white. If you have not met the requirements set by the Chapter 7 Means Test in New Hampshire, know that this is not the only debt relief option available to you and your family.New Hampshire bankruptcy comes in more than one form. For example, your household may benefit from filing forChapter 13 bankruptcy, also known as a “reorganization bankruptcy.” This option would allow you to restructure your debt so that your monthly payments become far more manageable. Sometimes, simply making sure that debts are no longer overdue and all payments are “doable” can be a life-changing experience. You can explore all of the debt relief options available to you during arisk-free consultation with an attorney.

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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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