Loading
Official Form 122A-1 is the first step in the Chapter 7 means test. It averages your household income over the 6 full months before you file and compares it to your state’s median family income. At or below the median, line 14a directs box 1, “There is no presumption of abuse.” Above it, line 14b sends you to Form 122A-2, which deducts allowed expenses. You can read through the wizard now; it produces the document once its rules are reviewed by a licensed attorney.
The Means test (Form 122A-1) template is waiting for a licensed attorney to review its rule data. Until then SynthCounsel does not produce this document, so answering the questions will not give you one.
You can still read through the questions to see what it asks and what to gather.
Social Security benefits (Title II and SSI) are explicitly excluded by 11 U.S.C. § 101(10A)(B). Veterans benefits and certain other payments may also be excluded — check with a bankruptcy attorney.
The U.S. Trustee Program publishes them at justice.gov/ust/means-testing, by state and household size. It posts new data when the figures change rather than on a stated schedule, so use the table in effect on the date your case is filed. The current median data applies to cases filed on or after April 1, 2026.
Form 122A-2 is the next form. It applies IRS National and Local Standards expense allowances plus actual allowed expenses, then compares your disposable monthly income to the § 707(b)(2)(A)(i) safe-harbor thresholds.
Not directly. Chapter 13 uses a similar calculation (Form 122C-1/C-2) to determine the applicable commitment period (3 or 5 years) and projected disposable income for the repayment plan.
After the means test, build your expense schedule. Schedule J + Schedule I show the trustee your complete monthly cash flow picture.
Open Schedule J wizardTell the trustee what you plan to do with each piece of secured property — reaffirm the debt, redeem it, or surrender. Due within 30 days after filing or by the meeting of creditors, whichever is earlier (11 U.S.C. § 521(a)(2)(A)).
Open intention wizardNot legal advice. SynthCounsel is not a law firm. The means test thresholds and allowed deductions change periodically. Always verify the median income table for your filing date at justice.gov/ust/means-testing before filing.