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.
Georgia Chapter 7 Six-Month Income Worksheet
Enter each of the six complete calendar months used for the current monthly income calculation. The worksheet totals the period, calculates the monthly average, and annualizes it. Nothing entered here is stored.
| Household Size | Annual Median | Monthly Equivalent | Six-Month Equivalent |
|---|---|---|---|
| 1 | $68,478 | $5,707 | $34,239 |
| 2 | $84,965 | $7,080 | $42,483 |
| 3 | $101,479 | $8,457 | $50,740 |
| 4 | $123,481 | $10,290 | $61,741 |
For households larger than four, add $11,100 per additional person to the annual figure. Use the official table in effect on the expected filing date.
A Georgia Six-Month Example
Assume a two-person Georgia household received $6,372 in each of the six complete calendar months before filing. The six-month total would be $38,232, the current monthly average would be $6,372, and the annualized income would be $76,464. That is $8,501 below the two-person Georgia median shown on this page. This illustrates the first income comparison only. It does not decide the full means test or Chapter 7 eligibility.
How Georgia Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Georgia median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $68,478 for one person to $123,481 for four people, a difference of $55,003. A five-person Georgia household would use $134,581 before moving to the expense portion of the test.
A Georgia Close-To-The-Line Example
If a two-person household averaged $6,939 monthly during the six-month lookback period, its annualized income would be $83,268. That is only $1,697 below the current two-person Georgia median used here. A bonus, job change, unpaid leave, or a different filing month could change that comparison, which is why the six actual calendar months matter.
Where Location Inside Georgia Can Matter
Georgia is served by the Northern, Middle, and Southern Districts of Georgia. The correct filing district depends on venue facts such as where a person has lived or kept a principal residence, assets, or business. Part 2 can also use location-sensitive housing and utility standards. Those allowances may differ by county inside Georgia, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Georgia |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Georgia income threshold, including the added amount above four people. |
| Six-Month Income | Uses income received in the six complete calendar months before filing, not simply current salary. |
| County | Can affect location-based housing and utility allowances used in Part 2. |
| Filing District | Determines the federal bankruptcy court that handles the case. |
Records To Gather For A Georgia Review
- Pay statements and other income records for each of the six complete lookback months.
- Documents supporting household size and regular contributions from other household members.
- Housing, utility, vehicle, tax, insurance, child care, support, and secured-debt amounts that may matter in Part 2.
- The expected filing date and county, especially when the result is close to the median.
Official Resources: U.S. Trustee Means-Testing Data · IRS Local Housing And Utility Standards · U.S. Courts Court Locator
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.
Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
