Test By County
Bankruptcy Forms
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.
Contact Us
Feel free to inquire with us through the contact information below. One of his staff will return your message in the most timely manner.
1 Crouch St.
Groton, CT 06340
Toll Free: 866-448-3911
dave@actionadvocacy.com
office@actionadvocacy.com
Use Our Contact Form To Send Us A Direct Message