If you are interested in filing for Chapter 7 bankruptcy, you must first determine if you qualify by taking the means test, which will determine whether your income is low enough for you to file under Chapter 7 — rather than Chapter 13. The Chapter 7 means test was designed to keep debtors with higher incomes from filing under this chapter, namely because it allows filers to discharge most, if not all, of their unsecured debts in a short period of time.
