If you are considering filing bankruptcy, you may want to take your own Means Test to determine if you qualify for a Chapter 7 or Chapter 13 bankruptcy. The Means Test is a mathematical formula that is based on your household income and determines through its calculations whether a person qualifies for a Chapter 7. If you don’t qualify for a Chapter 7 and cannot pay all of your debts, you will file a Chapter 13.There are Means Test calculators available online that allow you to fill in your information and will calculate the numbers for you. If you use the online calculator at Nolo, it will configure the numbers for the first part of the test and if you don’t qualify, you can still take the second part of the test.The second part of the Means Test is based on disposable incom