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Eligibility Requirements for Chapter 7 Bankruptcy

If a client’s household income is over the “median income”, as of 2005, U.S. Bankruptcy Code requires attorneys to screen potential candidates for Chapter 7 bankruptcy through the “means test”. This is a way to determine if a client has the actual ability to repay some of their debt. If debt liquidation through Chapter 7 is not an option because of income, the client and attorney can then explore debt reorganization through Chapter 13 bankruptcy.

Englett and Associates help clients just like you every day and administer the means test frequently. You will learn immediately which option to consider after meeting with one of our attorneys. We will carefully examine all of your finances to determine which debt relief solution to pursue.

Steps To Determine Eligibility for Bankruptcy

Step One: Your Income as Compared to the State Median

A comparison is made between your household income and the median income of others (with the same size household) in your state. According to the U.S. Department of Justice figures, (2011), the median adjusted income figures for the state of Florida are as follows:

$40,029 for a household of one person
$50,130 for a household of two people
$54,594 for a household of three people
$65,135 for a household of four or more people
If your adjusted income does not fall below the median figure for the size of your household, you may still be eligible for a Chapter 7 bankruptcy by passing the means test.

Step Two: Expenses and Unsecured Debts

Certain expenses may be deducted from your income that will lower your median household figure. This new amount will be compared to the unsecured debt you have including medical bills and credit cards.

Step Three: Deductions from Gross Income

The Internal Revenue Service allows for deductions to disposable income that could alter your means test, making you eligible for Chapter 7 bankruptcy. While the list of specific deductions is extensive, it may include:

Some medical and dental costs
Union dues
Employment uniforms
Auto loan payments
Spousal support and alimony ordered by the courts

Englett and Associates will meet with you to discuss the means test and eligibility for bankruptcy. To schedule an appointment with one of our lawyers, call (855) 215-2280.

We offer debt relief solutions in compliance with U.S Bankruptcy Code.

Our Locations


150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

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100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

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Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

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Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

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West Palm Beach

324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

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St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

* By Appointment Only*

(727) 497-6076

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Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

* By Appointment Only*

(863) 327-1724

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6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

* By Appointment Only*

(321) 460-1646

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120 South Woodland Boulevard

Suite 203

DeLand, Florida 32720

* By Appointment Only*

(386) 626-0011

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1415 Panther Lane

Suite 374

Naples, Florida 34109

* By Appointment Only*

(239) 201-2527

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3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

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50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

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