Means Test - Chapter 7 Bankruptcy

Imagine No Debt

The Means Test is one of steps necessary to determine eligibility to file Chapter 7 bankruptcy. The Means Test is used to determine if you have the ability to repay your debt. If so, you will likely need to consider Chapter 13 Bankruptcy instead of Chapter 7 Bankruptcy.

In short, the Means Test is used to determine if your income is less than the median income for your size household in your state. This threshold is different for every state.

Just because you "pass" the Means Test does not necessarily mean you should file Chapter 7 bankruptcy. There are many things to consider when deciding which bankruptcy is right for you. An experienced bankruptcy lawyer can advise you of the advantages and disadvantages of Chapter 7 bankruptcy.

Take advantage of a FREE Consultation with bankruptcy attorney J.D. Graham and learn how the law applies to you and your situation.  Simply use the form below or contact an office near you.

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Office Locations


1 Eagle Center, Suite #3A
O'Fallon, IL 62269
(618) 235-9800
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Granite City

1600 Pontoon Road, Suite B
Granite City, IL 62040
(618) 235-9800
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2721 S. Broadway (Rt. 37 South)
Salem, IL 62881
(618) 548-0083
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Mt. Vernon

4106 Broadway
Mt. Vernon, IL 62864
(618) 548-0083
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400 N. Keller Drive, Suite F
Effingham, IL 62401
(217) 342-0333
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