Free eBook · Means Test Mastery

The 5-Minute Means Test: Avoid Chapter 13

Revised Edition · by Michael Gidro

A practical guide for bankruptcy attorneys and their staff to every lawful path through the means test to a Chapter 7 discharge. Updated for cases filed on or after April 1, 2025.

What's inside

• What counts as income, and what the Code leaves out (including all Social Security benefits)
• Getting household size and the marital adjustment right
• Why the means test allows full IRS standards, not the lower of actual or standard
• Every Form 122A-2 deduction, including the ones most often missed
• Step-by-step worked examples with the current $10,275 / $17,150 thresholds
• A one-page Means Test Mastery checklist