Florida Bankruptcy Means Test Calculator 2026 - Check Your Chapter 7 Eligibility Free
Not sure how to read your result?
Attorney Juan Burgos reviews your numbers in a free 15-minute phone call — no commitment required.
Florida Means Test
Compare your income to the Florida Median (Effective Nov 1, 2025).
Your fresh start could be 90 days away.
Passing the Means Test means you meet the income threshold for Chapter 7 — the fastest form of federal debt relief. In as little as 90 to 120 days, most unsecured debts (credit cards, medical bills, personal loans) can be completely eliminated.
🚫 Automatic Stay
Creditor calls and lawsuits stop the day we file.
🏠 Keep Your Assets
Florida exemptions protect your home, car, and retirement.
⚡ 90–120 Days
No multi-year repayment plan. A real clean slate, fast.
Initial phone consultation is free and confidential. Attorney fees are discussed at your appointment.
Your income is above the Chapter 7 threshold — but you still have strong options.
Not qualifying for Chapter 7 automatically doesn't mean you're out of options. Two other federal chapters were designed for exactly this situation.
Chapter 13 — Reorganize & Protect
Consolidate debts into a manageable 3–5 year repayment plan under federal court protection. Keep your home, car, and assets while catching up — without individual creditor pressure.
Learn about Chapter 13 →Subchapter V — Keep Your Business Open
Own a small business with under $3.07M in debt? Subchapter V lets you restructure business debt and keep operating — faster and less costly than standard Chapter 11.
Learn about Subchapter V →Not sure which path fits your situation?
Attorney Burgos reviews your full picture — income, assets, and debt type — in a free phone consultation.
Initial consultation is free. Attorney fees are discussed at your appointment.
Free Case Evaluation: (407) 505-4190Am I Eligible for Chapter 7 Bankruptcy in Florida?
The first step in filing for bankruptcy in Florida is determining your eligibility through the “Means Test.” This test compares your household’s average gross income over the last six months (annualized) against the Median Income for a Florida household of your size.
Below Median Income
If your income is below the limit shown above, there is a “presumption of no abuse.” You typically qualify for Chapter 7 bankruptcy automatically regarding income levels.
Above Median Income
Being above the median does not automatically disqualify you. It simply means your attorney must perform the full Means Test calculation, deducting allowable expenses (mortgage, taxes, healthcare) to see if you have disposable income left over.
Income Limits for Cases Filed On or After Nov 1, 2025
The Department of Justice updates these figures approximately every six months. The calculator above uses the Florida data effective for the period beginning November 1, 2025.
Note on Household Size: Your household includes you, your spouse (even if not filing), and dependents you financially support. Roommates are generally not included unless you pool finances.
Free Consultation
Results may vary depending on your particular facts and legal circumstances.