Q: I don't own anything, I rent my home and make a monthly panhment on my car and don't expect an inheritance.
What's a means test?
A: A Means Test is a schedule that has to be completed in consumer bankruptcy cases which provides a determination as to whether the individual is eligible to file a Chapter 7 case. In Chapter 13 cases the Means Test is relevant to the determination as to how much the Debtor has to pay general unsecured creditors and the length of the Plan ( minimum length 36 months, up to 60 months is the range provided under the U.S. Bankruptcy Code).
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