BANKRUPTCY MEANS TEST

There are plenty of websites that say they will help you determine if you qualify for bankruptcy. What they mean is, do you pass or fail the means test. The means test is a backward looking test of your income and will help determine if you have money to pay your creditors. Beware of these websites. They may provide inaccurate or misleading information. They may use outdated date or incorrect eligibility determinations. Only an experienced bankruptcy can ensure the calculations are accurate and guide you through the bankruptcy process.