In order to qualify for a Chapter 7 bankruptcy which I like to term The Gold Plan where you discharge a 100 % of your debts and typically you keep all of your assets. To qualify, you must take what’s called the Means Test. Now, you’re not going to go into a dark room and take a test and have somebody looking over your shoulder. Rather this is a form that you fill out that shows how much money everyone in your house makes and what your expenses are. There are simple numbers that you can qualify for the means test from. Ask your attorney and he’ll tell you what the numbers are for you in your state and whether or not you qualify for Chapter 7 under the means test.