The amount of money you make annually in relation to your bankruptcy eligibility has to do with the state median income as determined by the U.S. Census Bureau Data. 

The Department of Justice, United States Trustee's website posts these figures after the U.S. Census Bureau comes up with the new yearly numbers. 

You must compare the income from your household to the median income of other Pennsylvanians with a similar household size.  Even if your household income is below the state median, it is still just a presumption that you will be able to file a Chapter 7 bankruptcy.  There are other factors that a bankruptcy lawyer will assess.  If your income is above the state median, there is another test that your bankruptcy lawyer can use called the means test to determine whether you must file a Chapter 13 bankruptcy or whether you can still file a Chapter 7 bankruptcy. 

The current Pennsylvania median income figures are a good place to start, but your bankruptcy attorney will assess your financial situation to determine if and for what type of bankruptcy you are eligible to file for.


The current Pennsylvania median income figures, as of April 1st, 2015 are as follows:

Individual: $48,982
Family of 2: $57,870
Family of 3: $72,886
Family of 4: $85,765
Family of 5: $93,865
Family of 6: $101,965
Family of 7: $110,065

(Note that for each additional family member over four, add $8100).

Still have a question about your income in relation to bankruptcy eligibility? Contact our bankruptcy attorney Rebeka Seelinger today online or at (814) 824-6670 to schedule your free consultation to discuss if bankruptcy is the right step for you towards financial freedom. 


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