Of the many changes to the bankruptcy laws in 2005, perhaps the biggest change was the means test. Under the means test, if you wish to file for Chapter 7 bankruptcy, your household income must be less than the median income for a household of the same size. You can get current median incomes for Ohio and find a means test calculator here. You can get current median incomes for Kentucky and find a means test calculator here. If your income level is under this threshold, you are eligible to file Chapter 7 bankruptcy. If your income is over this level, there is an additional test to determine whether you qualify for debt relief under Chapter 7. Under this test, if your disposable income is lower than a certain level, you will also be eligible to file Chapter 7 bankruptcy. It is important to understand that even if you do not pass the means test, you can still file for bankruptcy under Chapter 13. While Chapter 13 requires you to repay your debts over a three- to five-year period, it offers many of the same advantages as Chapter 7.