Step One: Your Income as Compared to the State Median A comparison is made between your household income and the median income of others (with the same size household) in your state. 

According to the U.S. Department of Justice figures, (2011), the median adjusted income figures for the state of Florida are as follows: $40,029 for a household of one person $50,130 for a household of two people $54,594 for a household of three people $65,135 for a household of four or more people If your adjusted income does not fall below the median figure for the size of your household, you may still be eligible for Florida Chapter 7 bankruptcy by passing the means test. 

Step Two: Expenses and Unsecured Debts Certain expenses may be deducted from your income that will lower your median household figure. This new amount will be compared to the unsecured debt you have, including medical bills and credit cards.

Step Three: Deductions from Gross Income The Internal Revenue Service allows for deductions from disposable income that could alter your means test, making you eligible for Florida Chapter 7 bankruptcy. While the list of specific deductions is extensive, it may include: