Means Test

What Is the Purpose of a Means Test?

Financial debt often builds up much more easily and quickly than you would think. One moment you owe $1,000 on a credit card and before you know it, you owe thousands on several different cards. If you are dealing with serious financial hardship, you may want to consider filing for bankruptcy. At Debt Relief Legal Group, our experienced Tampa Chapter 7 bankruptcy lawyers can help prepare you for the means test.

Understanding the Means Test Qualifications

In order to qualify for Chapter 7 bankruptcy, you will need to take and pass a bankruptcy means test. The purpose of this test is to ensure you are eligible for bankruptcy and to prevent dishonest individuals from taking advantage of the bankruptcy system.

The means test considers these factors:

  • Your disposable income
  • Your total income
  • Your expenses

What Happens if I Fail the Test?

If you fail the means test, you may start to panic and lose hope. However, our firm has 35 years of combined experience in the field of bankruptcy law and we are knowledgeable about all of the solutions available to you. We are here to protect your rights and discuss your options with you, such as bankruptcy alternatives or other debt relief solutions. If Chapter 7 is not right for you, you may qualify for Chapter 13.

Helping You Get Back on Track

Regardless of your exact situation, our Tampa bankruptcy lawyers are here to help guide you and answer all of your questions. Our goal is to ensure you get through the bankruptcy process smoothly and assist you with rebuilding your credit. Whether you have already decided to file for bankruptcy or are considering your options, we are ready to help. We can help you to recover from significant unsecured debt and gain financial stability.

how can we help you?

If you’re having financial issues and know bankruptcy might be your only option..


I just want to say “thank you” to you and Mr. Feinberg. I am so grateful to you both. I’m going to take some time and really pray about what to do next. I really need someone who is completely knowledgeable of this process and really wants to help and not just take advantage of someone who is vulnerable. I kinda feel like that is what has happened to me. So I thank God for you both.


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