A:The means test is an evaluation that must be done in any bankruptcy filed after October 1, 2005. It examines your gross household income and compares it to the average income of other households of the same size as yours in your state. If you have too great of income at the first level, then it contains a second level that is much more comprehensive in its application than we can cover here. If you are a disabled veteran, then the means test does not apply to you at all. Likewise, your Security Income does not count. There are many other exceptions and nuances that you may qualify to use that are not general knowledge. At the Law Offices of R. Morgan Holland, L.C. we work with these exceptions and nuances every day. We can help you understand what you qualify for.