Bankruptcy Eligibility Checker
An informational decision tool that tells you whether you LIKELY qualify for Chapter 7 (liquidation) or Chapter 13 (repayment plan).
Based on your state median income, the Chapter 7 means test, and the Chapter 13 debt limits. Not a legal analysis.
Personal & income
Debts & assets (optional but useful)
Eligibility verdict
Means-test lookback
| Metric | Value |
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Credit counseling is required within 180 days before filing, from an approved agency.
This is an informational eligibility check using national/normative thresholds and your inputs. It is NOT a legal analysis. Only a bankruptcy attorney's review of your complete Form 122A / 122C (means test), state asset exemptions, and entire financial picture - plus the court's credit-counseling and filing requirements - is authoritative. Thresholds change periodically; see the cited US Courts and U.S. Trustee Program tables for the current filing-period figures.
Data sources
- US Courts - Chapter 7 Bankruptcy Basics
- US Courts - Chapter 13 Bankruptcy Basics
- DOJ U.S. Trustee Program - Means Testing
- DOJ U.S. Trustee Program - Current Median Income Table (2025-11-01 - 2026-03-31)
Effective thresholds (current as of spec date, inflation-indexed): means-test floor $10,275; means-test cap $17,150; Chapter 13 unsecured ceiling $526,700; Chapter 13 secured ceiling $1,580,125. Median income table applies to cases filed 2025-11-01 - 2026-03-31. State medians below are approximate illustrative figures - always confirm against the DOJ table for your exact case-filing period. The expired temporary $2,750,000 Chapter 13 limit is NOT applied.