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Means Test FAQ
What is the means test?
The Formula
The law uses a standard mathematical formula to determine whether you can file for Chapter 7. Those who do not pass the means test, can apply for a Chapter 13 repayment plan as their only other bankruptcy.
The chapter 7 means test is a two-part test where you only need to pass one of them to qualify.
Is it necessary to complete the means test?
If you're going to file chapter 7 bankruptcy, you must complete Form 22A-1 which is the first section of the means test, and applies to your current monthly income (CMI) which is your average the last 6 months.
That average determines whether taking the rest of the test is necessary or not.
How long does the test take?
Taking the means test takes approximately 30 minutes if you have to go through entire form.
Try to be as accurate as possible and ensure you've added all sources of income as this information affects the results of the test.
Roommate or domestic partner contributions to income
If you are living with a roommate or domestic partner and they are contributing income to the household, the portion of their income must be included in the amount of 'household income' which is on line 4 of Form 22A-1.
If I pass, can a judge prevent me from filing Chapter 7?
Yes, at other points in the bankruptcy process, a judge could find that you're ineligible to file chapter 7 bankruptcy.
If I fail, can a judge let me file Chapter 7?
Yes. You may be permitted by a judge to file Chapter 7 bankruptcy if you are able able to show "special circumstances." i.e. job loss, massive pay cut, serious medical condition.
Take the Chapter 7 Means Test Here
The chapter 7 means test is used to determine, based on your income, which type of bankruptcy you can file for; either Chapter 7 or Chapter 13 bankruptcy. We provide the test for residents who live in any of the Connecticut counties, namely, Fairfield County, Hartford County, Litchfield County, Middlesex County, New Haven County, New London County, Tolland County and Windham County as value may differ between them.
Click here for more detailed information about bankruptcy in Connecticut.
At times this test can seem complicated but if you take your time you'll be able to complete it. There is no time limit, and if you require assistance with this means test, feel free to contact us directly via our contact page for assistance or to set up a
100% Free and Confidential Consultation.
The bottom line is, if bankruptcy is not your best option, this test will tell you!
Begin the test by choosing your county below
Choose the county that you currently live in...
OR simply enter your Connecticut zip code to take the means test
Means test standards
This Connecticut Chapter 7 Means Test Calculator is based on the U.S. Courts Bankruptcy Official Form 22A-1 (rev. 12/14) using data derived from the current IRS Local Standards for Connecticut. Chapter 7 Bankruptcy provides no payments for 90 days, where Chapter 13 provides for 5 years of payments. Chapter 7 Bankruptcy is only allowed in certain circumstances, varying by location.
What Can I Discharge In Chapter 7 Bankruptcy?
Atty. Dave Falvey explains each chapter in the bankruptcy code in the video below. Having a little background into each of the chapters will better quip you for taking the means test. This bit of knowledge will help you get your head around the initial bankruptcy process.