With the 2005 Amendments to the Bankruptcy Code, filing for Chapter 7 Relief became a little more restrictive. Essentially – you cannot make too much money to qualify for Chapter 7. The first step is to determine whether you are above the median household income for a household of your size in your state. If you are, then the inquiry turns to whether you have any disposable income left after deducting certain expenses from your gross monthly income. This is known as the means test.