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Bizar & Doyle LLC, Attorneys & Lawyers  Bankruptcy, Chicago, IL
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Bankruptcy Attorney in Chicago

Understanding the Means Test

In order to qualify for Chapter 7 bankruptcy in the state of Illinois you must first complete a "means test". The purpose of the "means test" is to determine if the person applying for bankruptcy is actually in a financial position to do so. If the test shows that you are unable to pay off your debt without help, you may file for "liquidation". If you do not qualify for Chapter 7, you may be considered for Chapter 13 bankruptcy. The test analyzes your income level and compares it to the median income of others in the state of Illiniois.

Why Work With a Chicago Bankruptcy Attorney from Prime Bankruptcy?

A Chicago bankruptcy attorney can help you determine if you meet the income requirements for bankruptcy and help you file for the appropriate chapter if you do. If a thorough analysis shows that your disposable income is not enough to pay off your debts, our bankruptcy attorneys will proceed to file for bankruptcy. To measure your disposable income and the amount of debt you could potentially pay, our attorneys will calculate how much leftover income you retain each month and multiply it by 60 to determine how much debt you could pay off within 5 years. If you are deemed eligible to file, you will also be required to work with a credit counselor and file any overdue tax returns, this according to the state law of Illinois.

A Legal Team You Can Trust

When filing for bankruptcy, you want to work with an attorney you can trust. The legal team at Bizar and Doyle wants to earn your trust, and we're willing to do whatever we can to get it. Don't let bankruptcy intimidate you, just call one of our lawyers today and see how simple it can be.

Illinois Offices:

  • Loop Office
    123 W. Madison Street
    Suite 205
    Chicago, IL 60602

    South Side Office
    10336 S. Western Avenue
    Chicago, IL 60643

    Rosemont Office
    5600 N River Road
    Suite 800
    Rosemont, IL 60018

    Southwest Suburbs
    15255 S. 94th Avenue
    5th Floor
    Orland Park, IL 60462

  • Far North
    1800 Nations Drive
    Suite 117
    Gurnee, IL 60031

    Western Suburbs
    1444 N. Farnswoth Ave.
    Suite 1018
    Aurora, IL 60505

    Joliet Office
    Lincolnshire Business Center
    1000 Essington Road
    Suite 155
    Joliet, IL 60435

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123 W. Madison Street, Suite 205; Chicago, IL 60602
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The information on this website is for general information purposes only. Nothing on should be taken as legal advice for any individual case or situation.

Main Office: 123 W. Madison Street, Suite 205 Chicago, IL 60602
Phone Number: (312) 427-3100