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An individual may consider a Chapter 7 bankruptcy for bankruptcy protection who wants to eliminate unsecured debt such as medical debt, credit cards, personal loans, and utility bills. The individual with a lot of unsecured debt and limited income may be a good candidate for Chapter 7 bankruptcy. Not everyone can qualify for a Chapter 7 bankruptcy, because they must pass the means test which is a formula established under federal bankruptcy law. The means test is comprised of two parts: first, the bankruptcy trustee compares the individuals income and determines whether that income falls below the median income in the state; second, the trustee compares individuals unsecured debt to the disposable income. In Utah, the median income increases based on the number of persons in the family. Single-Earner = $50,568 2-Person = $56,932 3-Person = $61,905 4-Person = $69,990 Even if the individuals income exceeds the median income based on the family size and fails the mean test may still be a good candidate for Chapter 13, which allows for a repayment plan over a number of years. We also help people stop foreclosures. If you have any additional questions and live in Utah, feel free to call the attorneys at PEARSON & BUTLER, PLLC for a free consultation at #801-495-4590. Thanks, Jeff Butler.