Means Test: Screen Before You Promise Chapter 7
Use a high-level means-test workflow to avoid premature Chapter 7 eligibility promises.
Tina's current monthly pay looks high, but her six-month income history is uneven and she has secured debt, support obligations, and recent medical costs. Means-test workflow: define household and income period -> compare to median -> apply allowed-expense screen -> route presumption and strategy The common trap is to decide Chapter 7 eligibility from one paycheck or a coworker's median-income rumor. Define inputs Collect household size, state, debt character, six-month pay evidence, payroll deductions, support, taxes, insurance, and secured-payment facts. Means-test terms are defined. Bad inputs create bad legal conclusions. Compare carefully Screen current monthly income against the relevant median…
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