The bankruptcy Means Test was implemented to determine if a debtor filing bankruptcy has income low enough to file chapter 7 bankruptcy. It's simple. You take the median income of the state and you are either above or below. Wrong. The means test is pretty nuanced. It is not a simple formula and a lot more goes into it than a high-low calculation. We often see clients with significant incomes qualify for chapter 7 after carefully completing the means test with all available information. Most of the information on the internet discourages clients from seeking the help of a bankruptcy attorney to make this determination. For a fee, most bankruptcy attorneys will do a complete means test and talk to you about your options before committing to a bankruptcy filing. If you decide to file, our office will credit the amount you've paid to your overall fees.