In order to qualify for a consumer Chapter 7 bankruptcy, your household income has to be below the median income for your state or territory. If your gross income falls below it, you pass the means test on the first pass. If not, then there are a number of deductions that can be made on the second pass of the means test where you still might qualify for a Chapter 7. To get a rough idea of where you fall in terms of your household income versus the median income for your state, click on this link to go the the Department of Justice's website for Trustees.