Privacy: The information you enter here is keep strictly private. We do not share or sell it.

Location: Note that you must enter a valid address in order to get a valid test result. Federal threshold data used for testing is broken down to local geographic areas and an incorrect location will give you a false result.

Recommended Use: Use this tester if you are not ready to file bankruptcy but only want to explore the possibility. When you are ready to file, use MT-200 or MT-300.

Meaning of Result: If you pass this test, it only indicates that you might pass the official means test but the reverse is not true. That is, if you fail this test, it indicates that you need to use a full BAPCPA means tester such as MT-200 or MT-300. Only MT-200 and MT-300 or higher can apply all of the credits and deductions that you are entitled to. They also take into account the details of your case such as creditor, income and expense details, future payments, arrearage payments and much more to ensure that you receive an accurate result.

Unlike MT-200 and MT-300 which take about 15 minutes to complete, this test takes only 1 minute to complete.

Resource Links

What is it like to attend the 341(a) Meeting of Creditors?

This link provides testimony of actual debtors in their own words. The information they share can be very useful if you have never been through the process yourself.
Debtor Experiences at the 41(a) Meeting of Creditors

Review of Bankruptcy Web Sites

This web site reviews bankruptcy help web sites and has useful articles on the process.
Vendorhound Reviews

What Are The Steps Required Under The New Laws?

This web site outlines the step by step requirement of filing under the new laws. This is a bankruptcy provider that offers means test discounts, and their info on the process is accurate, however we do not endorse any other companies other than ours.
Step-by-Step Under New Law

Bankruptcy Law Reference For Consumers

This link is probably the best source of general consumer bankruptcy laws written in easy to understand layman terms.
Consumer Bankruptcy Library

Bankruptcy Law Reference For Attorneys

This is the premier link for bankruptcy laws designed for attorneys and legal professionals.
Cornell Law Library

Companies Offering Discounts for Taking The Means Test

This is a partial list of web sites that will give you a discount off their price if you have taken our means tests. We only list companies that have demonstrated their ability to produce documents the fully comply with the BAPCPA. Linking to these providers is not an endorsement of their services. If you are a bankruptcy preparer and wish to gain XML validation of our means test certificates, contact us for further instructions. As a minimum, we will need to verify that your documents include properly prepared Form 22a that is fully compliant with the means test requirements of the BAPCPA.

Verified Discounter Usabankruptcy

Verified Discounter BridgePortBankruptcy

Verified Discounter Easybankruptcy

Bankruptcy Courts Directory

Directory of all bankruptcy courts BankruptcyData.com

MT-100
MT-200
MT-300
MT-400

Bankruptcy Testing:

100% Accurate Means Tests as per BAPCPA requirements.

Four levels of service to meet your bankruptcy needs.

More clients are referred by attorneys and preparers to ZMT for means testing than any other.

Recommended 3rd party preparers:

We recommend only preparers that use BAPCPA compliant means testers.

Debtor Aid

USABankruptcy

Bridgeport Bankruptcy

As the premiere provider of consumer means testing in all 50 states, ZMT is a perfect fit for thousands of bankruptcy lawyers nationwide. There is no signing up required of you. Simply link to our site or direct your prospective clients to get tested by us before retaining your services.

We issue certificates to debtors who have passed our MT-200 test which they can present to you as evidence of qualification.

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