If your income is equal to or below the state median income level, you are most likely eligible to file for Chapter 7. However, if your income exceeds the state median income level, you may be required to undergo means testing. The purpose of means testing is to determine whether you can repay some of your unsecured debt. Sometimes, there are exceptions concerning eligibility as determined by the court. Before filing Chapter 7 bankruptcy, you must also complete a credit counseling course with an approved credit counseling agency.