Do You Pass the Bankruptcy Means Test in Orlando? Here’s How to Find Out

If you’re considering filing for bankruptcy in Orlando, one of the first questions you’ll likely face is whether you qualify for Chapter 7 bankruptcy. Since changes to the U.S. Bankruptcy Code in 2005, most filers must first pass the bankruptcy means test to determine eligibility.

At The Law Office of Paul L. Urich, P.A., we work with the bankruptcy means test every day. Many people are surprised to learn that passing or failing the test is not always as straightforward as it sounds. Understanding how it works — and how Florida-specific rules apply — is critical before you file.

What Is the Bankruptcy Means Test?

The bankruptcy means test is designed to determine whether you have the ability to repay a portion of your debts. If the test shows that you do not have sufficient disposable income, you may qualify for Chapter 7 bankruptcy, which allows for the discharge of eligible debts.



If the test indicates that you have the ability to repay, you may instead be required to file Chapter 13 bankruptcy, which involves a court-approved repayment plan.

An Orlando bankruptcy attorney can help ensure the test is applied correctly to your financial situation.

Step One: Comparing Your Income to Florida’s Median Income

The first step of the means test compares your household income to the Florida median income for a household of your size. If your income falls below the median, you will generally qualify for Chapter 7 bankruptcy without needing to complete the second step.

If your income is above the median, that does not automatically disqualify you. It simply means additional calculations are required.

At The Law Office of Paul L. Urich, P.A., we help clients understand how income is calculated and which sources of income must be included.

Step Two: Calculating Disposable Income

If you move on to the second part of the test, certain approved expenses are deducted from your gross income to determine your disposable income. This calculation looks ahead over a five-year period.

Common allowable deductions may include:

• Health care and dental expenses
• Car payments and transportation costs
• Court-ordered child support or alimony
• Work-related expenses, including uniforms
• Certain union dues

If your projected disposable income is low enough, you may still qualify for Chapter 7 bankruptcy even if your income exceeds the Florida median.

What If You Don’t Pass the Means Test?

Failing the means test does not mean bankruptcy is off the table. It simply means Chapter 7 may not be available.

Many Orlando residents benefit from Chapter 13 bankruptcy, which allows them to reorganize debt, catch up on missed payments, and protect assets such as a home or vehicle.

An experienced Orlando bankruptcy attorney can explain how each option may affect your finances and help you choose the most practical path forward.

Why the Means Test Should Never Be Guesswork

The means test is highly detailed, and small errors can have major consequences. Incorrect income reporting, missed deductions, or misunderstanding household size can all lead to an inaccurate result.

When you work with The Law Office of Paul L. Urich, P.A., your financial information is carefully reviewed so you understand:

• Whether you are likely to pass the means test
• Which bankruptcy chapter may apply to you
• What steps you can take next

Our goal is to provide clarity before you file — not surprises after.

Find Out Where You Stand Before You File

If you’re overwhelmed by debt and unsure whether you qualify for Chapter 7 bankruptcy, speaking with a knowledgeable Orlando attorney can help you make an informed decision.

📞 Call The Law Office of Paul L. Urich, P.A. at 407-584-1735 to schedule your free initial consultation. We’ll review your finances, explain the bankruptcy means test, and help you understand your options under Florida law.