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Understanding the Houston Means Test for Bankruptcy

Facing financial hardship can be incredibly stressful, and if you're in Houston, you might be considering bankruptcy as a pathway to relief. The means test is a crucial step to determine your eligibility for bankruptcy in Texas, specifically designed to assess if Chapter 7 bankruptcy is a viable option for you.

What Exactly is the Means Test?

The means test is a financial evaluation tool used by Houston courts to determine eligibility for Chapter 7 bankruptcy. It compares your income and expenses to Texas' median income levels. Passing the means test could lead to a fresh financial start under Chapter 7. If you do not pass, you may still be able to get relief through options such as Chapter 13 bankruptcy.

Navigating the Means Test in Houston

To begin this procedure, you'll need to keep precise records of your income and expenses for the past six months. This information is then compared to the median income for a household your size in Texas. If you fall below this median, you are most likely qualified for Chapter 7. If your income is higher, you may still be eligible after accounting for permitted expenses. The complexities of the means test highlight the need of speaking with an experienced Houston means test attorney.

If you're pondering over your bankruptcy qualifications, reach out to Grand Law Firm at (504) 608-5208 or via online form for comprehensive insights into the means test and the full spectrum of bankruptcy prerequisites in Texas.

Median Family Income in Texas

The state median income represents the average disposable income for households in Texas. Being below this median usually indicates that you'll pass the means test with ease.

As of May 14, 2023, the state median family income for different household sizes is as follows:

  • Single earner: $60,040
  • Two-person household: $77,611
  • Three-person household: $87,228
  • Four-person household: $101,753*

*$9,900 is added for each individual in excess of 4.

Speak With A Means Test Attorney in Houston, TX

Considering bankruptcy as a solution to your financial woes in Houston? Grand Law Firm is ready to assist. Contact us online or call (504) 608-5208 to set up a no-cost case evaluation and start your journey toward financial recovery.

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