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BankruptcypdfFederal
Chapter 7 Means Test (Form 122A)
Calculation form determining whether a debtor's income is low enough to qualify for Chapter 7 bankruptcy or whether they must file under Chapter 13.
PDF TemplateUse the instructions below to complete this form
Instructions
Calculate your current monthly income (average of the 6 months before filing) for your household. Compare to your state's median income for your household size. If below median, you pass the test. If above median, complete the full means test: subtract allowed expenses (IRS standards for housing, transportation, food, and actual secured debt payments). If disposable income is below the threshold, you may still qualify. Special rules apply for military personnel, disabled veterans, and non-consumer debts.