Chapter 7 Means Test Analysis & Client Eligibility
Analyze Chapter 7 bankruptcy eligibility with automated means test calculations
What You Can Do
You can analyze whether a debtor qualifies for Chapter 7 bankruptcy by automating the means test calculation, evaluating income against median thresholds, and assessing disposable income. This skill generates a detailed eligibility assessment with supporting calculations and recommendations for client consultations.
Features
Performs precise means test calculations based on current bankruptcy code thresholds and income requirements
Systematically reviews current monthly income, secondary income sources, and allowed expense deductions
Compares debtor's income against state-specific median income thresholds to determine presumption of abuse
Calculates monthly disposable income available for Chapter 13 plan payments if Chapter 7 is unavailable
Provides instructions for completing Official Bankruptcy Form 106 (Schedule I/J) accurately
Creates a professional eligibility determination report with all supporting calculations
Identifies special circumstances (military, disabled, self-employed income) affecting qualification
Example Output
Chapter 7 Means Test Analysis
Debtor: John Smith
State: California
Median Income Threshold (2-person household): $78,450
Income Analysis
- Current Monthly Income (CMI): $8,200
- State Median Income (annualized): $78,450
- Result: CMI below median threshold ✓
Means Test Calculation
- Gross Monthly Income: $8,200
- Allowed Expenses: $3,450
- Disposable Income: $4,750
- 60-Month Test (if required): $285,000 > $15,000 threshold
Determination
- ✅ PRESUMPTION OF ABUSE: Does not apply. Debtor qualifies for Chapter 7 bankruptcy.
Recommendation: Client eligible to proceed with Chapter 7 filing without filing a motion to dismiss under 11 U.S.C. § 707(b).
What's Included
- Means Test Calculation Framework: Complete analysis workflow following current bankruptcy code requirements and recent case law
- Income & Expense Worksheet Templates: Structured templates for gathering and organizing debtor financial information
- Eligibility Assessment Report: Professional report template documenting calculations and final qualification determination
- State Median Income Reference: Guidance on locating and applying state-specific median income thresholds
- Form 106 Completion Instructions: Step-by-step guidance for accurately filling Official Bankruptcy Form 106
Who It's For
- Bankruptcy Attorneys
- Bankruptcy Paralegals and Law Clerks
- Legal Aid & Pro Bono Organizations
- Debtors & Individual Chapter 7 Filers
- Chapter 7 Trustees
Best For
- Pre-Filing Chapter 7 Eligibility Screening
- Means Test Analysis & Documentation
- Client Qualification Assessment
- Bankruptcy Consultation Preparation
- Presumption of Abuse Evaluation
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