Bankruptcy Qualification Checker
See whether Chapter 7 or Chapter 13 may fit your situation.
Chapter 7 typically suits filers with lower income who want eligible debts erased, while Chapter 13 sets up a repayment plan for those with steady income or assets to protect. Which fits depends on your income, household size, and debt type. This is general information, not legal advice; consult a licensed attorney about your situation.
Sources
This checker compares your income with the median family income for your state and household size, which is the first step of the Chapter 7 means test. The medians come from the U.S. Trustee Program's table.
- U.S. Trustee Program, median family income by state and family size: the table for cases filed on or after April 1, 2026, which this checker uses
- U.S. Trustee Program, means testing: where the Program posts each new table, usually in the spring and the fall
- 11 U.S.C. 707(b): the means test; paragraph (7) covers income at or below the state median
Figures checked on November 3, 2026. The Program replaces the table about twice a year, so confirm the median that applies on the day you file.
Frequently Asked Questions
Do I qualify for Chapter 7 bankruptcy?
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If your income is below your state’s median for your household size you may qualify for Chapter 7 (liquidation); if it’s higher, Chapter 13 (a repayment plan) is more likely. This tool gives a general direction — the official means test is more detailed.
What’s the difference between Chapter 7 and Chapter 13?
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Chapter 7 discharges most unsecured debts quickly by liquidating non-exempt assets. Chapter 13 reorganizes debt into a 3–5 year repayment plan, often used to save a home from foreclosure.
Is this tool legal advice?
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No. This tool provides general information only and is not legal advice. Results are estimates and every case is different — always consult a licensed attorney in your state about your specific situation.
Talk to a Bankruptcy attorney near you
This tool gives general estimates. For guidance on your specific situation, connect with a licensed bankruptcy attorney. Many offer a free or low-cost first consultation.
Find Bankruptcy Lawyers Near YouThis tool provides general information only and is not legal advice. Results are estimates and outcomes vary by state and the facts of your case. Lawyers Near Me is not a law firm. Always consult a licensed attorney in your state about your specific situation.