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Bankruptcy Means Test

Do You Qualify For Chapter 7?

In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was passed at the federal level. One of the most significant changes this brought about was the introduction of a "means test" to assess an individual's eligibility to file for Chapter 7 bankruptcy. Relevant factors in your case will include your "disposable monthly income" relative to the median income in Florida.

You can trust the Orlando-area attorneys at Elkins & Elkins for reliable information about whether debt relief through bankruptcy is available and right for you. Please do not be deterred by myths and misconceptions that indicate qualifying for Chapter 7 bankruptcy is more difficult than it has been in the past. Get the debt relief counsel you need now, rather than struggling while your situation becomes worse.

What Does A Means Test Measure?

We will explain what is involved with the means test for bankruptcy and find the best solution for you, applying past experience helping more than 15,000 clients file bankruptcy and get the debt relief they so badly needed. Important things to understand about the bankruptcy means test include:

  • Disposable income calculations are based on a six-month period, and specific monthly expenses can be deducted.
  • On numerous occasions, we have uncovered nuances of our clients' unique financial situations that enable them to file Chapter 7 bankruptcy, even though other lawyers have advised them that a Chapter 13 payment plan was the only option.

Call to Discuss a Chapter 7 Means Test

From convenient, accessible offices in Central Florida, bankruptcy means test lawyers at our firm will treat you with respect and spell out your options. We welcome people who are facing all kinds of personal and financial challenges, and you do not have to worry about being intimidated or pressured. Let's find the best solution for you, beginning with a free consultation at a time and place that works for you.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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The Elkins & Freedman law firm was effective, responsive, and knowledgeable to me during my dire family law situation. Before hiring Mr. Elkins, my ex-girlfriend/mother of my child was not letting me see my child. After hiring Mr. Elkins, I got my child at least half the time. I was most impressed with Mr. Elkins ability and willingness to directly level with my ex-girlfriend/mother of my child, whom initially was uncooperative and not represented. I sincerely felt that Mr. Elkins was my advocate and he got the job done. I highly recommend Mr. Elkins and the Elkins & Freedman law firm to anyone who needs legal representation.

Kendall G.

We Can Help You

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1420 Celebration Blvd. Suite 200
Celebration, FL 34747
Phone: 407-830-1177


7380 W. Sand Lake Rd. Suite 500
Orlando, FL 32819
Phone: 407-830-1177

Altamonte Springs

283 Cranes Roost Blvd. Suite 111
Altamonte Springs, FL 32701
Phone: 407-830-1177