Chapter 7 Eligibility in San Antonio

This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation.

Texas Means Test Income Limits

HouseholdAnnual MedianMonthly
1 person$60,840$5,070
2 persons$73,826$6,152
3 persons$77,454$6,455
4 persons$94,426$7,869

Add $10,300 per additional person.

Texas Exemptions

  • Homestead: Unlimited value (10 acres urban / 100 acres rural)
  • Vehicle: Exempt if needed for work
  • Personal property: $100,000 family / $50,000 single
  • Retirement: Unlimited

Texas does NOT allow federal exemptions.

Who Cannot File Chapter 7

  • Fail means test with no special circumstances
  • Prior Chapter 7 discharge within 8 years
  • Prior Chapter 13 discharge within 6 years (exceptions apply)
  • Dismissal for abuse within 180 days
  • No credit counseling

Frequently Asked Questions

What is the income limit for Chapter 7 in Texas?

Median: $60,840 for 1 person. Below = auto-qualify. Above-median filers may still qualify after expense deductions.

What exemptions does Texas offer?

Unlimited homestead, vehicle if needed for work, $100,000 personal property (family), unlimited retirement accounts.

Where do I file in San Antonio?

W.D. Tex. at 615 E Houston Street, San Antonio, TX 78205.

Does no state income tax affect eligibility?

Texas has no state income tax, so only federal taxes are deducted on the means test.

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