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What is the Means Test?

by Erin B. Shank

To determine whether you will be eligible to file for Chapter 7 bankruptcy protection, you will need to pass what is known as the means test. Essentially, the means test is the method by which your average income will be compared against the average disposable monthly income of comparable households in Texas. Should your income exceed the median income for comparable households, you will likely not be eligible for Chapter 7 bankruptcy and will need to pursue Chapter 13 bankruptcy instead.

If you live in central Texas and are thinking about filing for bankruptcy, you should speak with a bankruptcy attorney at Erin B. Shank, P.C., to learn more about the legal options that are available to you. To speak with an attorney, please call our offices at (254) 296-1161 today.

erin b shank

I have been practicing exclusively bankruptcy law in Texas for almost 40 years. Unlike most other law firms, my firm is exclusively dedicated to helping individuals and small businesses find a way out of their financial difficulties through the use of our nation’s bankruptcy laws.

Associations & Awards
  • Client Companion Award | Erin B. Shank
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  • Preeminent Award | Erin B. Shank
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  • state bar of texas
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