Answer 10 questions about your income, debt, and assets to find out if you likely qualify for Chapter 7 bankruptcy — and what your next steps should be.
This pre-screener evaluates the same factors bankruptcy attorneys review
The Chapter 7 means test compares your income to your state's median and evaluates your disposable income. This tool assesses your eligibility based on those same factors — income, debt type, assets, and urgency.
Choose the option that best describes your situation right now.
This pre-screener evaluates the same factors bankruptcy attorneys review during an initial consultation: your income relative to your state's median, your debt profile (type, amount, and mix), your asset situation, prior filing history, and the urgency of your current situation.
The four result profiles — from strong Chapter 7 candidate to "explore alternatives first" — are designed to give you a realistic starting point before speaking with an attorney. The formal means test calculation, which is required for every Chapter 7 filing, must be completed by a licensed bankruptcy attorney using your actual income and expense data.
This assessment is informational only and does not constitute legal advice. Results are based on general eligibility patterns and may not reflect your specific legal situation.