Chapter 7 Means Test Worksheet - Arizona

IMPORTANT: THIS IS A PREPARATION GUIDE — NOT THE OFFICIAL COURT FORM.
Federal filings require Official Bankruptcy Forms 122A-1, 122A-1Supp, and 122A-2 (Fed. R. Bankr. P. 9009). Transfer your content to the official forms or your court's e-filing system before filing. Official forms: https://www.uscourts.gov/forms/bankruptcy-forms. Do not file this worksheet with the court.

CHAPTER 7 MEANS TEST WORKSHEET — ARIZONA

This worksheet guides completion of the Chapter 7 means test under 11 U.S.C. § 707(b)(2) to determine whether a presumption of abuse arises. It is organized to track Official Forms 122A-1 and 122A-2.

HEADER — CASE IDENTIFICATION

PART 1: MARITAL / FILING STATUS & EXCLUSIONS

Section A: Debt Character (threshold gate)

☐ Debts are primarily consumer (more than 50% consumer) → means test applies
☐ Debts are primarily non-consumer / business → § 707(b) means test does NOT apply (document the calculation and stop)

Section B: Marital / Filing Status (for CMI and household)

☐ Single
☐ Married, filing jointly
☐ Married, filing individually — spouse's income included for CMI but may be adjusted on Form 122A-2 (marital adjustment)
☐ Married, legally separated under applicable law / living apart (verify treatment with counsel; Arizona is a community-property state — see practice notes)

Section C: Means-Test Exclusions (11 U.S.C. § 707(b)(2)(D))

☐ Disabled veteran (as defined in 38 U.S.C. § 3741(1)) whose indebtedness was incurred primarily during active duty or while performing a homeland-defense activity
☐ Reservist / National Guard exclusion — called to active duty or homeland defense for at least 90 days after September 11, 2001 (temporary exclusion while on duty and for 540 days thereafter)
☐ Non-consumer (business) debtor exclusion (see Section A)

If any exclusion applies, complete Form 122A-1Supp and you need not complete the full Form 122A-2 calculation.

PART 2: CURRENT MONTHLY INCOME (CMI) — 6-MONTH AVERAGE

Lookback period: the six full calendar months before the filing date — from [__/__/____] to [__/__/____] (11 U.S.C. § 101(10A)).

Exclude from CMI: Social Security Act benefits (retirement, SSDI, SSI); payments to victims of war crimes/crimes against humanity; payments to victims of international or domestic terrorism. Unemployment compensation: report and note whether claimed as a Social Security Act benefit.

PART 3: ANNUALIZED CMI vs. ARIZONA MEDIAN FAMILY INCOME

Section A: Household Size

Section B: Annualized CMI

Section C: Arizona Median Family Income (verify current figures)

Enter the current Arizona median family income for your household size. Figures below reflect the U.S. Trustee table for cases filed on or after April 1, 2026, and are updated approximately every six months — always verify the figure for your filing date at https://www.justice.gov/ust/means-testing.

Section D: Median-Income Determination

☐ Annualized CMI is AT OR BELOW the Arizona median → no presumption of abuse. Complete Form 122A-1 only (and Part 6 below). You need not complete Form 122A-2.

☐ Annualized CMI is ABOVE the Arizona median → complete Form 122A-2 (Parts 4–5 below).

PART 4: DEDUCTIONS FROM INCOME (Form 122A-2 — IRS Standards)

Section A: IRS National Standards

Section B: IRS Local Standards — Housing & Utilities

County of residence: [____]

Section C: IRS Local Standards — Transportation

Section D: Other Necessary Expenses

Section E: Deductions for Debt Payment

PART 5: MONTHLY DISPOSABLE INCOME & § 707(b)(2) PRESUMPTION OF ABUSE

Section A: Monthly Disposable Income

Section B: 60-Month Disposable Income

Section C: § 707(b)(2)(A)(i) Threshold Test (verify current thresholds)

The dollar thresholds in § 707(b)(2)(A)(i) are adjusted every three years (most recently effective April 1, 2025). Verify the thresholds in effect on your filing date. As of the last adjustment:

Determination:

☐ 60-month disposable income is LESS THAN the lower threshold ($9,075) → no presumption of abuse.

☐ 60-month disposable income is AT OR ABOVE the upper threshold ($15,150) → presumption of abuse arises.

☐ 60-month disposable income is between the lower and upper thresholds → compare to 25% of nonpriority unsecured debt:
  ☐ If 60-month disposable income ≥ 25% of nonpriority unsecured debt → presumption of abuse arises.
  ☐ If 60-month disposable income < 25% of nonpriority unsecured debt → no presumption of abuse.

Section D: Rebuttal (if presumption arises)

☐ Special circumstances under § 707(b)(2)(B) (e.g., serious medical condition, active-duty call-up) documented and itemized: [____]

PART 6: VERIFICATION / SIGNATURE

I declare under penalty of perjury that the information on this worksheet is true and correct to the best of my knowledge, information, and belief.

Debtor 1 Signature: [____] Date: [__/__/____]

Debtor 2 Signature: [____] Date: [__/__/____]

Attorney Signature: [____] Date: [__/__/____]

Attorney Name (print): [____] Bar No.: [____]

ARIZONA PRACTICE NOTES

• Bankruptcy district. Arizona is a single federal judicial district: the U.S. Bankruptcy Court for the District of Arizona, with divisional offices in Phoenix, Tucson, Yuma, and Flagstaff. File in the District of Arizona where the debtor has been domiciled, resided, or had a principal place of business or principal assets for the greater part of the 180 days before filing (28 U.S.C. § 1408). Confirm divisional assignment and the District of Arizona Local Rules.

• Community property (Arizona). Arizona is a community-property state. In a joint case, and even in an individual case for a married debtor, community income and the non-filing spouse's income are relevant to current monthly income. Carefully document the marital adjustment on Form 122A-2 for income of a non-filing spouse not used for the household.

• Median family income. Arizona median family income figures are set by Census Bureau data published by the U.S. Trustee Program and are updated roughly every six months. The figures in Part 3 reflect the April 1, 2026 table; verify the figure for your household size and filing date at https://www.justice.gov/ust/means-testing.

• IRS expense standards. National Standards, Local Standards (housing/utilities and transportation), and Other Necessary Expenses are published by the UST for each filing period. Arizona housing/utilities allowances are county-specific (e.g., Maricopa, Pima, Pinal); use the debtor's county. (Posting of updated IRS standards may be delayed pending the IRS Collection Financial Standards release — confirm the current set.)

• § 707(b)(2) thresholds. The $9,075 / $15,150 presumption thresholds are adjusted triennially (next adjustment due 2028). Verify the figures effective on the filing date.

SOURCES AND REFERENCES

• 11 U.S.C. § 707(b)(2) (means test) — https://www.law.cornell.edu/uscode/text/11/707
• Official Form 122A-1 (Statement of Current Monthly Income) — https://www.uscourts.gov/forms/means-test-forms/chapter-7-statement-your-current-monthly-income
• Official Form 122A-1Supp (Statement of Exemption from Presumption of Abuse)
• Official Form 122A-2 (Chapter 7 Means Test Calculation) — https://www.uscourts.gov/forms/means-test-forms/chapter-7-means-test-calculation
• U.S. Trustee Program, Means Testing (median income, IRS standards, multipliers) — https://www.justice.gov/ust/means-testing
• U.S. Bankruptcy Court for the District of Arizona — https://www.azb.uscourts.gov

This worksheet assists in completing Official Bankruptcy Forms 122A-1 and 122A-2. Median-income figures, IRS expense standards, and § 707(b)(2) thresholds change periodically; always verify current figures from the U.S. Trustee Program before filing. Not a substitute for legal advice.