Bankruptcy Eligibility & Means Test Screener

Check whether you qualify for Chapter 7 debt discharge or Chapter 13 repayment.

Preliminary Screening: The official Chapter 7 means test (Form 122A-1) includes specific allowable expense deductions (IRS national standards) that require individualized attorney review.
Include wages, business earnings, pensions, and rental income before taxes.

Frequently Asked Questions

What is the bankruptcy means test?

The means test compares your household income to your state's median income for a household of your size to help determine whether you qualify for Chapter 7 or must file under Chapter 13. It also allows certain expense deductions in the official version.

Does this tool replace the official means test (Form 122A-1)?

No. This is a simplified, preliminary screening only. The official means test uses precise, regularly updated median income figures and IRS-allowed expense deductions that require individualized calculation.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 generally involves liquidating non-exempt assets to discharge qualifying debts relatively quickly. Chapter 13 involves a court-approved repayment plan over three to five years and is often used by those who do not pass the means test or want to keep certain assets.

Should I talk to an attorney before filing?

Yes. Bankruptcy has long-term financial and credit consequences, and eligibility rules, exemptions, and procedures vary by state. A bankruptcy attorney can review your full financial picture before you file.