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If you are considering filing Chapter 7 bankruptcy and wondering whether or not you'll be able to file, there's good news: Most people who turn to Chapter 7 find that they are allowed to file under the means test.
Determining who can file for bankruptcy is one of the more complicated steps in the bankruptcy process.
Here's how the Chapter 7 eligibility test works:
Ask a local participating attorney today if you qualify to file Chapter 7:
Speak with a Bankruptcy Lawyer TodayFind the median income level of your state to see if you may qualify to file for Chapter 7 and eliminate debt. Then, talk to a bankruptcy lawyer about your debt-relief options.
These numbers relate to cases filed on or after May 1, 2013.
| State | Single-Earner | 2-Person | 3-Person | 4-Person* |
|---|---|---|---|---|
| * Add $8,100 for each individual in excess of 4. | ||||
| Alabama | $40,120 | $49,163 | $52,215 | $64,700 |
| Alaska | $53,804 | $71,624 | $82,198 | $88,373 |
| Arizona | $42,107 | $55,118 | $55,654 | $61,023 |
| Arkansas | $36,605 | $46,333 | $49,494 | $56,591 |
| California | $48,415 | $63,030 | $67,401 | $75,656 |
| Colorado | $49,549 | $65,631 | $72,259 |
$86,787 |
| Connecticut | $58,337 | $72,878 | $86,390 | $102,530 |
| Delaware | $48,284 | $62,707 | $73,284 | $85,150 |
| District Of Columbia | $50,186 | $81,960 | $81,960 | $81,960 |
| Florida | $41,915 | $51,760 | $54,934 | $65,260 |
| Georgia | $41,214 | $51,954 | $56,189 | $67,214 |
| Hawaii | $49,919 | $63,896 | $76,001 | $84,690 |
| Idaho | $41,785 | $49,896 | $50,506 | $62,322 |
| Illinois | $47,485 | $59,861 | $68,721 | $80,776 |
| Indiana | $42,089 | $52,618 | $58,916 | $70,763 |
| Iowa | $42,207 | $58,852 | $64,552 | $78,366 |
| Kansas | $42,557 | $56,851 | $65,907 | $76,402 |
| Kentucky | $40,020 | $46,815 | $55,863 | $67,783 |
| Louisiana | $37,967 | $47,731 | $55,863 | $70,347 |
| Maine | $41,488 | $53,227 | $60,425 | $79,931 |
| Maryland | $58,269 | $73,685 | $87,206 | $108,915 |
| Massachusetts | $55,602 | $67,443 | $82,495 | $103,624 |
| Michigan | $45,029 | $52,621 | $61,715 | $73,864 |
| Minnesota | $48,097 | $63,654 | $76,909 | $89,126 |
| Mississippi | $36,240 | $43,095 | $46,062 | $59,248 |
| Missouri | $41,092 | $51,784 | $59,549 | $72,150 |
| Montana | $42,301 | $54,362 | $56,977 | $67,055 |
| Nebraska | $41,861 | $59,543 | $67,235 | $77,057 |
| Nevada | $44,924 | $55,674 | $55,674 | $66,562 |
| New Hampshire | $52,588 | $65,830 | $82,924 | $99,457 |
| New Jersey | $61,146 | $69,697 | $85,016 | $103,786 |
| New Mexico | $38,349 | $51,965 | $51,965 | $61,617 |
| New York | $47,790 | $59,308 | $69,052 | $83,209 |
| North Carolina | $40,710 | $51,812 | $56,339 | $64,983 |
| North Dakota | $41,557 | $61,492 | $68,688 | $86,653 |
| Ohio | $42,814 | $53,218 | $60,960 | $74,270 |
| Oklahoma | $40,665 | $51,575 | $53,500 | $64,374 |
| Oregon | $43,160 | $55,057 | $62,202 | $67,315 |
| Pennsylvania | $47,439 | $55,210 | $68,848 | $82,078 |
| Rhode Island | $46,896 | $61,607 | $76,864 | $83,785 |
| South Carolina | $39,238 | $50,548 | $53,532 | $61,388 |
| South Dakota | $38,071 | $57,188 | $65,829 | $73,960 |
| Tennessee | $39,891 | $48,617 | $55,080 | $65,038 |
| Texas | $41,225 | $55,895 | $60,503 | $67,296 |
| Utah | $50,976 | $56,089 | $63,430 | $66,590 |
| Vermont | $46,019 | $61,702 | $67,774 | $85,750 |
| Virginia | $53,328 | $65,930 | $77,585 | $91,661 |
| Washington | $52,724 | $65,123 | $71,289 | $83,270 |
| West Virginia | $41,449 | $44,536 | $54,790 | $66,756 |
| Wisconsin | $43,661 | $58,668 | $65,775 | $81,296 |
| Wyoming | $45,336 | $63,193 | $73,688 | $78,733 |
| Commonwealth or U.S. Territory |
Single-Earner | 2-Person | 3-Person | 4-Person* |
|---|---|---|---|---|
| * Add $8,100 for each individual in excess of 4. | ||||
| Guam | $38,410 | $45,925 | $52,334 | $63,331 |
| Northern Mariana Islands | $25,793 | $25,793 | $30,008 | $44,137 |
| Puerto Rico | $22,392 | $22,392 | $23,537 | $28,180 |
| Virgin Islands | $30,475 | $36,627 | $39,052 | $42,785 |
Note: "Family size" has a specific legal definition. Consult with a local bankruptcy lawyer for information on how these changes may impact your options . Although we try to keep the means test median income information on this page as up-to-date as possible, the median income table may be updated at any time, and information on this page may be out of date.
Tables updated: May 2, 2013
The latest information can be found at the U.S. Trustee Program Web site.An attorney can also give you the latest median numbers.
If you're not sure whether filing for bankruptcy could help you, a bankruptcy attorney can help assess your finances and tell you more about your options. You might want to consider a Chapter 13 bankruptcy.
Click below to ask a bankruptcy lawyer for free if you qualify to file Chapter 7 or 13. Connect with a lawyer near you today and ask if Chapter 13 or 7 could work for you.
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