11/08/2026
Means Test tip for anyone prepping a Chapter 7 this month 👇
If you’re filing a bankruptcy for a client in November, the six-month lookback is May through October. Move the filing to January and the window becomes July through December.
Why it matters: a one-time bonus or overtime spike from May or June drops right out. I’ve seen that alone take a client from over the median to under it, and keep them out of Chapter 13.
Two more that get missed a lot:
• Social Security (retirement, SSI, SSDI) is not counted in current monthly income
• If a non-filing spouse pays some of their own bills, the marital adjustment can take that off household income
I put together a free median check with the current U.S. Trustee figures (cases filed on or after July 15, 2026). Any state, any household size, no sign-up:
👉 bksync.ai/means-test-median-calculator
What’s the Means Test issue that trips up your office the most?
BKSync.ai reads client financial documents and populates Chapter 7 schedules and the Means Test for attorney review.