Just because you “failed” the Means Test does not mean that you cannot get relief from your debt under the bankruptcy laws:
One of most misunderstood aspects of bankruptcy (but one of the most written about online) is the means test. Many people who are considering bankruptcy fill out online “means test calculators”. When they “fail” the test, most people think that bankruptcy is not an option for them. (Some non-bankruptcy lawyers may tell you that as well.)
The Means Test is only one part of the bankruptcy process:
Just because your household income is higher than the average in your state, the Bankruptcy Code still takes into account your individual circumstances. You may still be able to file a Chapter 7 Bankruptcy or get substantial relief under a Chapter 13 Bankruptcy.
The internet is a powerful tool for finding out information but if your are considering bankruptcy don’t take a chance on getting some bad advice. Talk to an experienced consumer bankruptcy lawyer.