In order to qualify for Chapter 7 bankruptcy, which discharges most of a debtor’s unsecured debt (personal loans, credit cards, etc.), the debtor must pass a “means test.” This examination of a debtor’s financial records begins with a determination of the debtor’s current monthly income by adding his or her gross income from the past six months together and dividing the sum by six. If this number is below the median monthly income of the state where the debtor resides, he or she qualifies. If not, another means test involves deducting reasonable and allowable expenses (food, housing, transportation, etc.) from the debtor’s income to see if there is reasonable income left over to make debt payments. If not, the debtor qualifies for Chapter 7 bankruptcy. If you face serious financial problems and are considering bankruptcy, talk to an experienced bankruptcy lawyer to find out about your options. For a free consultation, please call Pruitt Law Offices S.C. at 262-633-8301 or our website: We are located at 731 Main Street in Racine. We are your partners for professional service.