Call 216-435-5668 For A Free Evaluation

Borders Law, LLC | Bankruptcy Attorneys
Borders Law, LLC | Bankruptcy Attorneys
CALL

Compassionate Bankruptcy Representation For Over 20 Years

Bankruptcy Means Test Lawyer In Ohio

Filing for bankruptcy can be a complex and challenging process. Understanding whether you qualify under the bankruptcy means test is a critical step, so working with a skilled attorney can make all the difference. Without proper guidance, it is easy to miscalculate income or expenses, which can affect your ability to file.

At Borders Law, LLC, I, Keith L. Borders, have over 20 years of experience helping clients in Cleveland, Ohio, handle bankruptcy filings effectively. My firm has guided countless individuals through the intricacies of Ohio’s bankruptcy system, from calculating Ohio bankruptcy income limits to preparing for the bankruptcy means test.

What Is The Bankruptcy Means Test?

The bankruptcy means test determines whether an individual qualifies for Chapter 7 bankruptcy based on their income and expenses. It is designed to prevent those with sufficient income from discharging debts unfairly.

The test examines your average monthly income over the past six months and compares it to Ohio’s median income for a household of your size. If your income is below the state median, you may qualify for Chapter 7. If it is higher, additional calculations may be necessary to determine eligibility for Chapter 13.

Income Limits For Bankruptcy Means Test In Ohio

For 2025, the median annual incomes in Ohio are:

  • One-person household: $64,541
  • Two-person household: $81,578
  • Three-person household: $99,876
  • Four-person household: $120,531
  • For households with more than four people, add $11,100 per additional person

I can help ensure your income and expenses are calculated accurately, helping you avoid errors that could delay your case or affect your eligibility.

Steps To Prepare For The Bankruptcy Means Test In Ohio

Preparing properly can make the process smoother. Key steps include:

  • Gather income statements for the past six months.
  • Collect documentation of monthly expenses, including rent, utilities and necessary living costs.
  • Consult with a Cleveland, Ohio, bankruptcy attorney to review your documents and calculations.

Following these steps helps ensure the bankruptcy means test is completed accurately, giving you the best chance to proceed with your filing.

A Cleveland Bankruptcy Lawyer Ready To Help

If you are considering filing for bankruptcy in Cleveland, Ohio, Borders Law, LLC, can guide you through the process, protect your interests and help you understand Ohio bankruptcy income limits. Call 216-435-5668 to request a free case evaluation.