New Means Test Numbers for November, 2017

New Michigan Bankruptcy Means Test Numbers for November 1, 2017

The US Trustee's Office (the division of the Department of Justice that administers the bankruptcy process in the United States) has released its updated median income numbers for each state for Chapter 7 and Chapter 13 bankruptcy petitions filed on November 1, 2017 or after. These numbers are used in the "bankruptcy means test" to determine income-based eligibility for Chapter 7 bankruptcy and, in Chapter 13 bankruptcies, to determine whether a Chapter 13 payment plan can be just 36 months long or if a plan must be 60 months long (as well as whether there is a minimum amount that unsecured creditors must receive from the Chapter 13 payment plan). The new numbers contain some good news for Michigan residents considering filing for bankruptcy: median incomes per household size have risen slightly depending on household size since April 1, 2017, the last time these numbers were updated. To be eligible for Chapter 7 bankruptcy, your household income, as determined by the bankruptcy means test, must be under the median income for a household of your size. This means that, going forward, at least until the next time the US Trustee updates these means test numbers, it will be slightly easier to file Chapter 7 bankruptcy—and slightly cheaper to compete a Chapter 13 bankruptcy payment plan.

New Bankruptcy Means Test Numbers for Michigan

The new median incomes for each household size in Michigan as of November 1, 2017 are:










  • Household of 1: $48,626.00
  • Household of 2: $59,541.00
  • Household of 3: $70,579.00
  • Household of 4: $87,070.00
  • Household of 5: $95,470.00
  • Household of 6: $103,870.00
  • Household of 7: $112,270.00
  • Household of 8: $120,670.00


Avoid Online Means Test Calculators

It takes a skilled bankruptcy attorney to fully calculate the means test, which allows for various deductions to be applied if your household income is slightly higher than those median-numbers that can still allow you to qualify for Chapter 7. Online "means test calculators" do not do anything like an adequate job of incorporating these deduction and other considerations and should be avoided. Schedule a consultation with an experienced Michigan bankruptcy attorney to fully and accurately explore your options. If you are a Michigan resident and would like to explore your options for a Chapter 7 or Chapter 13 bankruptcy with an experienced Michigan bankruptcy attorney, please contact us at (866) 674-2317 or click the button below to schedule a free, initial consultation.

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If you enjoyed reading "New Means Test Numbers for November 1, 2017," please browse our other articles on our main Michigan Bankruptcy Blog.

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