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Katy Means Test Attorneys

Chapter 7 bankruptcy is one of the options available under bankruptcy law to help debtors to recover from an untenable debt situation. Successfully completed, it can allow an individual to start over with a nearly clean slate after most of their outstanding debts have been discharged. In order to prevent the abuse of the system, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) was signed into law. One of its most significant effects was the introduction of the means test, which is an evaluative measure to determine whether an individual has the financial ability to pay his or her debts.

For more information about filing for Chapter 7 bankruptcy, or help determining whether you may be permitted to file, it is advisable to speak with a skilled and experienced attorney. Contact the Katy means test attorneys at Russell Van Beustring P.C., by calling 713-973-6650.

Requirements for Eligibility

While you don’t have to be penniless and unemployed to qualify for Chapter 7 bankruptcy, you may be prohibited from pursuing this avenue if your disposable income is such that you could simultaneously pay off your debt and maintain a minimal cost of living. The means test evaluates the following:

  • Your income compared to the median income of a household of similar size in your state. If your household income is below the median, you will be able to file for Chapter 7.
  • Your actual disposable income, determined on a per-instance basis, as compared to your outstanding debts.

There is no set number at which you no longer qualify for Chapter 7, but rather a floating number which is determined by the relationship between your justifiable expenses, income, and debts.

Contact Us

Discovering your eligibility for Chapter 7 through the means test is frequently an essential step in the process of overcoming crushing debt, and it is essential that you have knowledgeable guidance through the proceedings. For a free consultation to learn more about the benefits of Chapter 7 bankruptcy from an experienced Katy means test lawyer, contact Russell Van Beustring P.C., at 713-973-6650 today.


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