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Understanding the Chapter 7 Means Test

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In this article, we will discuss the Chapter 7 Means Test in Kansas. The Chapter 7 Means Test serves as a financial assessment tool, designed to evaluate whether an individual’s income is within the threshold to qualify for Chapter 7 bankruptcy. It’s the gateway through which your eligibility to file under Chapter 7 is determined, comparing your average income over the past six months against the median income for a similar household size in Kansas. Should your income fall below this median, you may proceed with a Chapter 7 filing, potentially leading to the discharge of eligible debts without the requirement to pay back creditors through a repayment plan​​.

Step-by-Step Guide to the Chapter 7 Means Test Kansas.

  1. Calculate Your Average Income: Sum up all income sources received in the last six months. This encompasses wages, business income, rental income, and any regular financial contributions to your household, excluding Social Security benefits. Divide this total by six to find your monthly average.
  2. Compare to Kansas’ Median Income: The next phase involves comparing your calculated average monthly income to the median income for a household of your size in Kansas. These median income figures are periodically updated and can be found on the U.S. Trustee Program’s website. If your income is below this median, you qualify for Chapter 7 bankruptcy. If above, additional analysis is required to determine if you can still file under Chapter 7​​.
  3. Assessing Disposable Income: For individuals with income above the median, the Means Test extends to evaluating your disposable income after deducting allowed monthly expenses, as defined by both Kansas standards and specific IRS guidelines. This step ensures that individuals with sufficient disposable income to repay a portion of their debts do so under Chapter 13 bankruptcy.

The Importance of Accurate Calculation

The precision in completing the Chapter 7 Means Test cannot be overstated. An accurate calculation is essential not only for establishing eligibility but also for preparing for the bankruptcy process. Tools and calculators are available online to aid in this process, such as the one provided by Upsolve, offering a preliminary assessment of your eligibility​​. However, these tools should be used as a starting point, with professional legal advice guiding your final decision-making process.

Legal Assistance in Kansas

Given the complexities and nuances of bankruptcy law, seeking the counsel of a knowledgeable attorney is advisable. Legal professionals can offer comprehensive insights into the Means Test, ensuring that all relevant income and deductions are correctly accounted for. This guidance is invaluable in navigating the bankruptcy landscape, ensuring that your filing aligns with Kansas law and maximizes the relief available to you.


Chapter 7 bankruptcy provides a pathway to financial recovery for those overwhelmed by debt, with the Means Test acting as a critical step in this journey. By understanding and accurately completing this test, individuals in Topeka and throughout Kansas can make informed decisions about their financial future. For more detailed guidance and support, consulting with a bankruptcy attorney is recommended, ensuring that every aspect of your bankruptcy case is handled with the diligence it deserves.