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Meaner Bankruptcy Means Test on Nov. 1, 2010

by Roilee Mandeville

in Bankruptcy Basics

On November 1, 2010 a new set of data will take effect that will make qualifying for Chapter 7 bankruptcy more difficult for some debtors. As the median income drops for the average American, the U.S. Trustee Program of DOJ will apply new guidelines for the bankruptcy means test. The U.S. Census Bureau compiled a new median family income based on family size. The new figures will take effect on cases filed on and after November 1, 2010.

The table below is a side-by-side comparison of the old and new data. It might be wise to consult a local bankruptcy lawyer near your area if you have plans to use bankruptcy to solve your growing debt problems.

STATE FAMILY SIZE
1 EARNER 2 PEOPLE 3 PEOPLE 4 PEOPLE *
OLD NEW OLD NEW OLD NEW OLD NEW
Alabama $38,278 $38,018 $47,904 $46,143 $55,433 $51,613 $65,079 $62,983
Alaska $51,945 $51,112 $73,809 $74,242 $77,268 $80,133 $85,118 $84,577
Arizona $42,476 $41,915 $56,692 $54,510 $61,845 $58,696 $69,205 $66,030
Arkansas $33,412 $32,304 $44,257 $43,370 $48,548 $48,799 $57,699 $53,523
California $47,969 $47,234 $64,647 $61,954 $70,638 $67,562 $79,194 $77,596
Colorado $47,085 $47,814 $64,754 $63,635 $69,728 $69,717 $81,354 $82,621
Connecticut $58,321 $56,929 $72,328 $70,800 $86,335 $82,305 $101,761 $101,647
Delaware $46,249 $47,634 $60,736 $61,424 $69,826 $67,412 $88,409 $83,928
Dist. of Columbia $42,120 $48,034 $68,647 $78,878 $69,047 $78,878 $69,047 $78,878
Florida $41,079 $39,383 $52,073 $49,321 $58,366 $53,713 $68,763 $64,084
Georgia $40,546 $38,748 $55,061 $51,184 $60,887 $55,767 $68,258 $68,122
Hawaii $55,221 $49,846 $66,960 $63,143 $77,263 $74,449 $91,158 $85,190
Idaho $39,484 $38,420 $51,291 $47,863 $52,577 $54,558 $61,830 $60,488
Illinois $45,941 $45,607 $59,838 $59,104 $71,075 $68,782 $81,175 $79,788
Indiana $40,683 $39,487 $52,367 $50,279 $59,438 $58,075 $70,621 $68,109
Iowa $39,918 $39,803 $55,087 $55,132 $64,143 $62,485 $72,701 $74,349
Kansas $41,210 $40,982 $57,561 $56,251 $63,212 $63,816 $72,352 $68,154
STATE FAMILY SIZE
1 EARNER 2 PEOPLE 3 PEOPLE 4 PEOPLE *
OLD NEW OLD NEW OLD NEW OLD NEW
Kentucky $37,450 $36,999 $45,491 $44,353 $54,488 $51,046 $64,230 $62,739
Louisiana $37,331 $37,493 $48,115 $45,950 $53,271 $54,800 $66,020 $66,154
Maine $38,674 $38,860 $50,731 $50,767 $61,855 $58,097 $70,124 $67,361
Maryland $55,041 $54,874 $72,801 $73,291 $85,151 $85,746 $101,441 $101,693
Massachusetts $53,315 $54,161 $69,204 $67,142 $82,297 $82,385 $99,293 $100,462
Michigan $43,456 $41,875 $52,433 $49,919 $61,517 $59,190 $74,558 $70,600
Minnesota $45,101 $45,022 $62,162 $60,694 $74,806 $72,886 $86,329 $83,772
Mississippi $31,954 $32,131 $42,606 $40,908 $46,519 $46,299 $58,310 $54,812
Missouri $39,504 $38,697 $51,385 $50,295 $60,156 $57,664 $70,806 $68,705
Montana $39,979 $37,954 $52,310 $51,566 $58,427 $55,357 $65,593 $66,825
Nebraska $40,208 $38,287 $56,659 $53,251 $63,475 $64,429 $72,284 $69,950
Nevada $46,151 $42,346 $60,234 $56,612 $66,813 $59,802 $70,851 $69,371
New Hampshire $51,332 $50,630 $63,976 $62,509 $79,385 $81,134 $93,592 $88,538
New Jersey $59,812 $58,107 $71,744 $69,539 $85,764 $84,192 $102,894 $99,474
New Mexico $36,642 $36,672 $50,457 $51,018 $50,457 $51,459 $55,363 $52,842
New York $46,320 $45,548 $57,902 $56,845 $69,174 $67,292 $82,164 $82,587
North Carolina $38,656 $37,171 $52,008 $49,813 $56,727 $54,573 $67,056 $66,487
STATE FAMILY SIZE
1 EARNER 2 PEOPLE 3 PEOPLE 4 PEOPLE *
OLD NEW OLD NEW OLD NEW OLD NEW
North Dakota $36,753 $40,774 $54,468 $55,501 $62,412 $68,209 $74,873 $78,352
Ohio $41,724 $40,091 $52,030 $50,491 $61,552 $59,275 $73,040 $71,453
Oklahoma $38,929 $36,289 $50,710 $48,909 $54,328 $53,261 $61,816 $63,004
Oregon $42,344 $43,986 $55,820 $54,656 $62,608 $59,546 $72,408 $71,593
Pennsylvania $44,396 $44,172 $53,572 $52,839 $67,516 $66,030 $77,590 $78,626
Rhode Island $45,061 $45,391 $62,583 $57,567 $76,573 $71,019 $86,692 $87,163
South Carolina $39,052 $36,457 $51,191 $49,685 $55,099 $51,887 $65,421 $62,056
South Dakota $36,713 $35,008 $54,138 $52,581 $62,928 $57,845 $69,932 $66,918
Tennessee $37,598 $37,528 $48,935 $46,432 $53,822 $52,368 $63,999 $62,197
Texas $38,801 $37,676 $55,660 $54,288 $59,011 $55,534 $66,145 $64,420
Utah $50,388 $49,818 $56,729 $55,220 $61,685 $60,944 $69,741 $68,707
Vermont $41,593 $42,347 $56,656 $57,013 $65,094 $64,767 $73,899 $77,127
Virginia $48,190 $49,484 $64,890 $62,586 $73,887 $72,078 $85,633 $85,586
Washington $51,161 $49,124 $63,930 $62,204 $72,275 $71,354 $82,422 $81,269
West Virginia $39,135 $39,109 $43,070 $41,919 $51,652 $50,521 $58,271 $59,307
Wisconsin $42,205 $40,486 $57,201 $55,175 $67,881 $65,187 $80,243 $76,188
Wyoming $44,004 $45,427 $59,617 $59,847 $65,586 $68,553 $76,690 $75,129

* Add $7,500 for each individual in excess of 4.

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