Income eligibility for Chapter 7 in Illinois is determined through the means test analysis, which is updated once every six months. As of September 2026, median gross annual income figures apply to households of one through eight. These figures are gross, before any taxes and deductions.
Frequently Asked Questions
What income level qualifies me for Chapter 7 in Illinois right now?
What income level qualifies you for a chapter 7 in the state of Illinois is the means test analysis. The means test analysis is updated once every six months, but as of as of September 2026 for a household of one, the median gross annual income is $73,180.
Household of two is $93,934. Household of three is $113,625. Household of four is $137,902. A household of five is $149,002. Household of six is $160,102. A household of 7 is $171,202. A household of eight is $182,302. And these numbers are gross figures before any taxes and deduction.
Are you struggling financially? Pratt & Maegli Law Firm in Rockford helps Illinois families and individuals explore Chapter 7 and Chapter 13 options with clear answers and a personal approach. Call (815) 315-0683 or visit rockfordbankruptcytoday.com to schedule a confidential consultation and take the first step toward real financial relief.