Chapter 7 Means Test Analysis & Client Eligibility
Analyze Chapter 7 bankruptcy eligibility with automated means test calculations
What You Can Do
You can analyze whether a debtor qualifies for Chapter 7 bankruptcy by automating the means test calculation, evaluating income against median thresholds, and assessing disposable income. This skill generates a detailed eligibility assessment with supporting calculations and recommendations for client consultations.
Features
Performs precise means test calculations based on current bankruptcy code thresholds and income requirements
Systematically reviews current monthly income, secondary income sources, and allowed expense deductions
Compares debtor's income against state-specific median income thresholds to determine presumption of abuse
Calculates monthly disposable income available for Chapter 13 plan payments if Chapter 7 is unavailable
Provides instructions for completing Official Bankruptcy Form 106 (Schedule I/J) accurately
Creates a professional eligibility determination report with all supporting calculations
Identifies special circumstances (military, disabled, self-employed income) affecting qualification
Example Output
Chapter 7 Means Test Analysis
Debtor: John Smith
State: California
Median Income Threshold (2-person household): $78,450
Income Analysis
- Current Monthly Income (CMI): $8,200
- State Median Income (annualized): $78,450
- Result: CMI below median threshold ✓
Means Test Calculation
- Gross Monthly Income: $8,200
- Allowed Expenses: $3,450
- Disposable Income: $4,750
- 60-Month Test (if required): $285,000 > $15,000 threshold
Determination
- ✅ PRESUMPTION OF ABUSE: Does not apply. Debtor qualifies for Chapter 7 bankruptcy.
Recommendation: Client eligible to proceed with Chapter 7 filing without filing a motion to dismiss under 11 U.S.C. § 707(b).
What's Included
- Means Test Calculation Framework: Complete analysis workflow following current bankruptcy code requirements and recent case law
- Income & Expense Worksheet Templates: Structured templates for gathering and organizing debtor financial information
- Eligibility Assessment Report: Professional report template documenting calculations and final qualification determination
- State Median Income Reference: Guidance on locating and applying state-specific median income thresholds
- Form 106 Completion Instructions: Step-by-step guidance for accurately filling Official Bankruptcy Form 106
Who It's For
- Bankruptcy Attorneys
- Bankruptcy Paralegals and Law Clerks
- Legal Aid & Pro Bono Organizations
- Debtors & Individual Chapter 7 Filers
- Chapter 7 Trustees
Best For
- Pre-Filing Chapter 7 Eligibility Screening
- Means Test Analysis & Documentation
- Client Qualification Assessment
- Bankruptcy Consultation Preparation
- Presumption of Abuse Evaluation
You might also like
You'll analyze trade secret exposure patterns, identify litigation vulnerabilities, and develop comprehensive strategies to protect proprietary information. The skill generates state-compliant protective agreements, litigation strategy memos, and employee exit protocols that strengthen your position in misappropriation disputes. You get immediate assessment of trade secret qualification, damages analysis, and court strategy tailored to your specific facts and jurisdiction.
by jzocb
Analyze class certification requirements under Rule 23 and state law equivalents, then generate comprehensive commonality and typicality arguments for your class action pleadings. You provide case facts and certification elements; the skill produces persuasive legal arguments grounded in applicable precedent, identifies weaknesses in your position, and adapts reasoning to federal or state standards.
by jzocb
Streamline your multi-state medical licensing compliance by verifying healthcare provider credentials across state medical boards, analyzing complex regulatory requirements, and identifying compliance gaps. This skill helps you track regulatory changes, prepare audit-ready documentation, and ensure your organization meets all licensing and credentialing standards across jurisdictions.
by jzocb
You provide Claude with field notes, voice transcripts, or photos from your daily site walk. Claude generates a complete Daily Site Report (DSR) with weather, crew status, and material tracking; identifies and prioritizes critical issues with escalation flags; drafts RFI and Change Order templates for scope ambiguities; and assesses risks that feed into your project risk log. This transforms 1–2 hours of manual documentation into 15–20 minutes of structured, legally compliant output.
by jzocb
This skill enables you to systematically analyze child support cases by extracting financial data from documents, calculating guideline-compliant support amounts, and identifying legal deviation factors. You can build comprehensive evidence summaries and arguments that align with your jurisdiction's child support formulas. The skill accelerates case preparation and helps you construct defensible support calculations backed by structured financial analysis.
by jzocb
You can analyze existing non-compete agreements to identify key terms, clauses, and enforceability risks based on jurisdiction-specific legal standards. The skill drafts enforceable non-compete language tailored to your industry and location, and provides detailed risk assessments with recommendations for strengthening agreements and reducing litigation exposure.
by jzocb
You can transform unstructured site notes into professional daily progress reports that capture work completed, resource allocation, schedule status, and budget performance. The skill automatically flags schedule risks, cost overruns, safety incidents, and resource constraints—issues that might get buried in raw field data—and generates multiple audience-specific formats (owner briefing, crew directive, financial dashboard) from a single input.
by jzocb
Assess client estates for federal and state tax exposure, calculate exemption utilization across multiple scenarios, and generate compliance-verified strategies. You'll receive detailed liability projections, asset allocation recommendations, and specific action items for tax minimization—all tied to current exemption limits and portability rules.
by jzocb