Individuals or couples filing for protection under a Chapter 7 Bankruptcy must meet certain eligibility requirements under a “Means Test.”  This test requires that you first determine if your average monthly income for the last six months is below the median income in the State of Florida, based upon the size of your household and other factors. This formula is used to determine whether or not you have the ability to repay your debts or not.  The vast majority of people who file for bankruptcy qualify for and choose to go through a Chapter 7 bankruptcy.