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On November 1, 2010 a new set of data will take effect that will make qualifying for Chapter 7 bankruptcy more difficult for some debtors. As the median income drops for the average American, the U.S. Trustee Program of DOJ will apply new guidelines for the bankruptcy means test. The U.S. Census Bureau compiled a new median family income based on family size. The new figures will take effect on cases filed on and after November 1, 2010.
The table below is a side-by-side comparison of the old and new data. It might be wise to consult a local bankruptcy lawyer near your area if you have plans to use bankruptcy to solve your growing debt problems.
| STATE | FAMILY SIZE | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 EARNER | 2 PEOPLE | 3 PEOPLE | 4 PEOPLE * | |||||
| OLD | NEW | OLD | NEW | OLD | NEW | OLD | NEW | |
| Alabama | $38,278 | $38,018 | $47,904 | $46,143 | $55,433 | $51,613 | $65,079 | $62,983 |
| Alaska | $51,945 | $51,112 | $73,809 | $74,242 | $77,268 | $80,133 | $85,118 | $84,577 |
| Arizona | $42,476 | $41,915 | $56,692 | $54,510 | $61,845 | $58,696 | $69,205 | $66,030 |
| Arkansas | $33,412 | $32,304 | $44,257 | $43,370 | $48,548 | $48,799 | $57,699 | $53,523 |
| California | $47,969 | $47,234 | $64,647 | $61,954 | $70,638 | $67,562 | $79,194 | $77,596 |
| Colorado | $47,085 | $47,814 | $64,754 | $63,635 | $69,728 | $69,717 | $81,354 | $82,621 |
| Connecticut | $58,321 | $56,929 | $72,328 | $70,800 | $86,335 | $82,305 | $101,761 | $101,647 |
| Delaware | $46,249 | $47,634 | $60,736 | $61,424 | $69,826 | $67,412 | $88,409 | $83,928 |
| Dist. of Columbia | $42,120 | $48,034 | $68,647 | $78,878 | $69,047 | $78,878 | $69,047 | $78,878 |
| Florida | $41,079 | $39,383 | $52,073 | $49,321 | $58,366 | $53,713 | $68,763 | $64,084 |
| Georgia | $40,546 | $38,748 | $55,061 | $51,184 | $60,887 | $55,767 | $68,258 | $68,122 |
| Hawaii | $55,221 | $49,846 | $66,960 | $63,143 | $77,263 | $74,449 | $91,158 | $85,190 |
| Idaho | $39,484 | $38,420 | $51,291 | $47,863 | $52,577 | $54,558 | $61,830 | $60,488 |
| Illinois | $45,941 | $45,607 | $59,838 | $59,104 | $71,075 | $68,782 | $81,175 | $79,788 |
| Indiana | $40,683 | $39,487 | $52,367 | $50,279 | $59,438 | $58,075 | $70,621 | $68,109 |
| Iowa | $39,918 | $39,803 | $55,087 | $55,132 | $64,143 | $62,485 | $72,701 | $74,349 |
| Kansas | $41,210 | $40,982 | $57,561 | $56,251 | $63,212 | $63,816 | $72,352 | $68,154 |
| STATE | FAMILY SIZE | |||||||
| 1 EARNER | 2 PEOPLE | 3 PEOPLE | 4 PEOPLE * | |||||
| OLD | NEW | OLD | NEW | OLD | NEW | OLD | NEW | |
| Kentucky | $37,450 | $36,999 | $45,491 | $44,353 | $54,488 | $51,046 | $64,230 | $62,739 |
| Louisiana | $37,331 | $37,493 | $48,115 | $45,950 | $53,271 | $54,800 | $66,020 | $66,154 |
| Maine | $38,674 | $38,860 | $50,731 | $50,767 | $61,855 | $58,097 | $70,124 | $67,361 |
| Maryland | $55,041 | $54,874 | $72,801 | $73,291 | $85,151 | $85,746 | $101,441 | $101,693 |
| Massachusetts | $53,315 | $54,161 | $69,204 | $67,142 | $82,297 | $82,385 | $99,293 | $100,462 |
| Michigan | $43,456 | $41,875 | $52,433 | $49,919 | $61,517 | $59,190 | $74,558 | $70,600 |
| Minnesota | $45,101 | $45,022 | $62,162 | $60,694 | $74,806 | $72,886 | $86,329 | $83,772 |
| Mississippi | $31,954 | $32,131 | $42,606 | $40,908 | $46,519 | $46,299 | $58,310 | $54,812 |
| Missouri | $39,504 | $38,697 | $51,385 | $50,295 | $60,156 | $57,664 | $70,806 | $68,705 |
| Montana | $39,979 | $37,954 | $52,310 | $51,566 | $58,427 | $55,357 | $65,593 | $66,825 |
| Nebraska | $40,208 | $38,287 | $56,659 | $53,251 | $63,475 | $64,429 | $72,284 | $69,950 |
| Nevada | $46,151 | $42,346 | $60,234 | $56,612 | $66,813 | $59,802 | $70,851 | $69,371 |
| New Hampshire | $51,332 | $50,630 | $63,976 | $62,509 | $79,385 | $81,134 | $93,592 | $88,538 |
| New Jersey | $59,812 | $58,107 | $71,744 | $69,539 | $85,764 | $84,192 | $102,894 | $99,474 |
| New Mexico | $36,642 | $36,672 | $50,457 | $51,018 | $50,457 | $51,459 | $55,363 | $52,842 |
| New York | $46,320 | $45,548 | $57,902 | $56,845 | $69,174 | $67,292 | $82,164 | $82,587 |
| North Carolina | $38,656 | $37,171 | $52,008 | $49,813 | $56,727 | $54,573 | $67,056 | $66,487 |
| STATE | FAMILY SIZE | |||||||
| 1 EARNER | 2 PEOPLE | 3 PEOPLE | 4 PEOPLE * | |||||
| OLD | NEW | OLD | NEW | OLD | NEW | OLD | NEW | |
| North Dakota | $36,753 | $40,774 | $54,468 | $55,501 | $62,412 | $68,209 | $74,873 | $78,352 |
| Ohio | $41,724 | $40,091 | $52,030 | $50,491 | $61,552 | $59,275 | $73,040 | $71,453 |
| Oklahoma | $38,929 | $36,289 | $50,710 | $48,909 | $54,328 | $53,261 | $61,816 | $63,004 |
| Oregon | $42,344 | $43,986 | $55,820 | $54,656 | $62,608 | $59,546 | $72,408 | $71,593 |
| Pennsylvania | $44,396 | $44,172 | $53,572 | $52,839 | $67,516 | $66,030 | $77,590 | $78,626 |
| Rhode Island | $45,061 | $45,391 | $62,583 | $57,567 | $76,573 | $71,019 | $86,692 | $87,163 |
| South Carolina | $39,052 | $36,457 | $51,191 | $49,685 | $55,099 | $51,887 | $65,421 | $62,056 |
| South Dakota | $36,713 | $35,008 | $54,138 | $52,581 | $62,928 | $57,845 | $69,932 | $66,918 |
| Tennessee | $37,598 | $37,528 | $48,935 | $46,432 | $53,822 | $52,368 | $63,999 | $62,197 |
| Texas | $38,801 | $37,676 | $55,660 | $54,288 | $59,011 | $55,534 | $66,145 | $64,420 |
| Utah | $50,388 | $49,818 | $56,729 | $55,220 | $61,685 | $60,944 | $69,741 | $68,707 |
| Vermont | $41,593 | $42,347 | $56,656 | $57,013 | $65,094 | $64,767 | $73,899 | $77,127 |
| Virginia | $48,190 | $49,484 | $64,890 | $62,586 | $73,887 | $72,078 | $85,633 | $85,586 |
| Washington | $51,161 | $49,124 | $63,930 | $62,204 | $72,275 | $71,354 | $82,422 | $81,269 |
| West Virginia | $39,135 | $39,109 | $43,070 | $41,919 | $51,652 | $50,521 | $58,271 | $59,307 |
| Wisconsin | $42,205 | $40,486 | $57,201 | $55,175 | $67,881 | $65,187 | $80,243 | $76,188 |
| Wyoming | $44,004 | $45,427 | $59,617 | $59,847 | $65,586 | $68,553 | $76,690 | $75,129 |
* Add $7,500 for each individual in excess of 4.
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