The means test in Chapter 7 bankruptcy only applies to higher income bankruptcy petitioners.  According to bankruptcy law, this means test is only for those whose income is higher than the Florida median according to family size.  The means test applies for filers whose debt is primarily consumer debt.  If your debt is primarily "business" debt (as opposed to "consumer" debt) then you are allowed to file Chapter 7 case without regard to your current level of income.  Additionally, disabled … [Read more...]