What is a bankruptcy "means test?"

A "means test" in a bankruptcy proceeding is one of the factors used to determine whether an individual debtor is eligible to file for bankruptcy under Chapter 7.   The means test looks at the debtor's aggregate current monthly income (looked at over a number of years).  If the net of that income, disregarding certain allowed expenses, is above the current income limit, then the debtor may not be eligible for filing under Chapter 7 unless he or she can prove special circumstances which would justify additional expenses or adjustments of current monthly income beyond those income/expense limits. 

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