Georgia Chapter 7 Means Test Calculator (2026)
The Georgia Chapter 7 Means Test (Part 1)
Compare your household income to the Georgia median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
What Happens Over The Georgia Median
Landing over the Georgia median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Georgia households pass once those come out. If Chapter 7 still does not fit, Chapter 13 or a settlement program is worth weighing.
The Two Parts Of The Georgia Means Test
Part 1 in Georgia is the income screen above: your annualized income against the Georgia median for your household size. Clear it and you generally qualify. If your Georgia income is higher, Part 2 deducts housing, transportation, taxes, and support on Form 122A-2, and a large share of Georgia filers pass there. Social Security generally does not count. Our national means test guide covers Part 2 in detail.
If Chapter 7 Is Not The Right Fit In Georgia
Not everyone in Georgia who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a Georgia debt settlement program may reduce what you owe without a court filing; compare the cost, credit impact, and timeline first. CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Frequently Asked Questions
What is the income limit for Chapter 7 in Georgia?
It is the Georgia median family income for your household size. Effective July 15, 2026, it is $68,478 for 1 person, $84,965 for 2, $101,479 for 3, and $123,481 for 4, adding $11,100 per additional person. At or below that Georgia figure, you generally pass Part 1.
What if my income is above the Georgia median?
Being above the Georgia median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Georgia filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Georgia means test?
It covers Part 1 only, the income comparison against the Georgia median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a Georgia bankruptcy attorney.
Is Social Security counted in the Georgia means test?
Social Security benefits are generally excluded from current monthly income for the means test, though most other income is included. A bankruptcy attorney can confirm what counts in your specific situation.
Does CuraDebt give legal advice or file bankruptcy in Georgia, and is it a law firm?
CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
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Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
