What is the Mean Test?

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The Means Test is used to see if you qualify for a Chapter 7 bankruptcy. It takes into account your income, your expenses, and your household size to calculate your disposable income. If you have too much disposable income, you won’t qualify for a Chapter 7 and you’ll have to file a Chapter 13. The disposable income calculated by the Means Test is used to determine your monthly payment in your Chapter 13 plan.