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means test

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What is the Means Test?

 As part of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, a "means test" has been instituted to determine whether or not a debtor is entitled to a Chapter 7 discharge, or whether such debtor must convert the case to one under another chapter of the Bankruptcy Code. The basic purpose of the [...]


Disabled Veterans and Enhanced Eligibility for Chapter 7

The means test bars any number of deserving people across the states of Oregon and Washington from qualifying for Chapter 7 bankruptcy. Thankfully,  disabled veterans filing for bankruptcy whose debts were incurred primarily during active military duty or homeland defense service are completely exempt from the means test.