When filing a bankruptcy it is very important that a consumer understand the dictates of the “means test”.

The means test numbers change twice a year.

Each consumer filing for bankruptcy must fill out a document known as the means test. A means test is a summary of all income over the last 6 months. Depending on the family size the outcome of the means test may control whether the consumer can file a chapter 7 bankruptcy or a chapter 13 bankruptcy. The means test has specific amounts for a specific family size. The means test numbers change twice a year and may go up or down.

We have several videos on our web site.  Below are a few that might be of interest:

  • “Chapter 7 Bankruptcy Process”
  • “Chapter 13 Bankruptcy Process”
  • “Meet Ms. Drain and Suggestions on How to Hire an Attorney”





Many people ask me why they should pay an experienced bankruptcy lawyer to file for bankruptcy. I explain that there are many subtle issues that affect them throughout the bankruptcy. Right now one issue dealing with the means test is that a family of 1 or 2 will be better filing their bankruptcy before the mean test change again. But, a family of three or more is better filing after the change.  (Note – check the United States Trustee’s Office for the latest means test amounts.)

Do you think this type of disparate treatment is appropriate? I don’t, but what do you think?