Chapter 7 Means Test Worksheet - Oklahoma

PREPARATION GUIDE — NOT THE OFFICIAL COURT FORM

Chapter 7 filings require Official Forms 122A-1, 122A-1Supp, and 122A-2 (Fed. R. Bankr. P. 9009). Use this worksheet to organize your calculations, then transfer the results to the official forms or your court's e-filing system. Official forms: https://www.uscourts.gov/forms/bankruptcy-forms. Do not file this worksheet with the court.

CHAPTER 7 MEANS TEST WORKSHEET — OKLAHOMA

UNITED STATES BANKRUPTCY COURT

☐ NORTHERN ☐ EASTERN ☐ WESTERN DISTRICT OF OKLAHOMA

PART 1: FILING STATUS, MARITAL STATUS & EXCLUSIONS

Section A: Marital / Filing Status

☐ Not married
☐ Married, filing jointly
☐ Married, filing individually — spouse's income reported (see Part 2)
☐ Married, living separately or legally separated — see marital adjustment

Section B: Means Test Exclusions

If any box below applies, the means test calculation may not be required. Complete Official Form 122A-1Supp.

☐ Debts are NOT primarily consumer debts — 11 U.S.C. § 707(b)(1). If business/non-consumer debts exceed 50% of total debt by dollar amount, the means test does not apply.
☐ Disabled veteran exclusion — 11 U.S.C. § 707(b)(2)(D)(i). Debtor is a disabled veteran (as defined in 38 U.S.C. § 3741(1)) whose indebtedness occurred primarily during active duty or while performing a homeland defense activity.
☐ Reservist / National Guard exclusion — 11 U.S.C. § 707(b)(2)(D)(ii). Debtor was a member of the Reserves or National Guard called to active duty (after Sept. 11, 2001) for at least 90 days; presumption does not apply during active duty plus 540 days thereafter.

☐ No exclusion applies — complete the full worksheet.

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

Lookback period: From [__/__/____] to [__/__/____] (six full calendar months ending the last day of the month before filing)

Section A: Debtor 1 Income

Section B: Debtor 2 / Spouse Income

Section C: Statutory Income Exclusions (do NOT include)

☐ Social Security retirement benefits
☐ Social Security Disability Insurance (SSDI)
☐ Supplemental Security Income (SSI)
☐ Payments to victims of war crimes or crimes against humanity
☐ Payments to victims of international or domestic terrorism

Section D: CMI Computation

PART 3: ANNUALIZED CMI vs. OKLAHOMA MEDIAN FAMILY INCOME

Section A: Household Size

Section B: Oklahoma Median Family Income (fillable — verify current figures)

Verify the current Oklahoma figure at https://www.justice.gov/ust/means-testing for the table in effect on your petition date.

Section C: Median Income Comparison

DETERMINATION:

☐ Annualized CMI is AT OR BELOW the OK median → Presumption of abuse does NOT arise. Complete Official Form 122A-1 only; do not complete Form 122A-2. You may proceed with Chapter 7.

☐ Annualized CMI is ABOVE the OK median → Complete Part 4 and Official Form 122A-2 (full means test calculation).

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

Section A: IRS National Standards — Food, Clothing & Other Items

Section B: IRS Local Standards — Housing & Utilities (by OK county)

County of residence: [________________________________]

Section C: IRS Local Standards — Transportation

Section D: Other Necessary Expenses

Section E: Secured Debt Payments

Formula: (total of all amounts contractually due over 60 months after filing) ÷ 60. Secured debt deduction: $[____]

Section F: Priority Debt Payments

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

Section A: Disposable Income

Section B: 60-Month Projection & Thresholds

FINAL DETERMINATION:

☐ 60-month disposable income is BELOW the lower threshold ($10,275) → No presumption of abuse. Eligible for Chapter 7.
☐ 60-month disposable income is AT OR ABOVE the upper threshold ($17,150) → Presumption of abuse ARISES.
☐ Between thresholds AND ≥ 25% of nonpriority unsecured debt → Presumption of abuse ARISES.
☐ Between thresholds AND < 25% of nonpriority unsecured debt → No presumption of abuse.

If the presumption arises, it may be rebutted only by documented special circumstances under 11 U.S.C. § 707(b)(2)(B).

PART 6: VERIFICATION & SIGNATURE

I declare under penalty of perjury that the information in 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.: [____]

OKLAHOMA PRACTICE NOTES

• Bankruptcy districts. Oklahoma has three federal judicial districts, each with its own bankruptcy court, all in the Tenth Circuit: Northern District (Tulsa), Eastern District (sitting at Okmulgee, serving the Muskogee area and surrounding counties), and Western District (Oklahoma City). File in the district covering the debtor's county of residence/domicile. The Tenth Circuit has a Bankruptcy Appellate Panel (10th Cir. BAP).
• Median income figures. Use the Oklahoma median family income figure in effect on the petition date. The figures in Part 3 reflect the table effective November 1, 2025; the U.S. Trustee Program updates Census-based median income roughly every six months. Confirm at https://www.justice.gov/ust/means-testing.
• § 707(b)(2)(A)(i) thresholds. The $10,275 / $17,150 figures apply to cases filed April 1, 2025 through March 31, 2028; they are adjusted for inflation every three years under 11 U.S.C. § 104. Verify the figures in effect on the petition date.
• IRS Standards. Local Standards (housing & utilities, transportation) vary by Oklahoma county and by Census region (South region for transportation operating costs). Use the version in effect for the petition date and the correct county.
• Tribal jurisdiction note. Following McGirt v. Oklahoma (2020), large portions of eastern Oklahoma are recognized as remaining within tribal reservation boundaries for certain purposes. This does not change the federal bankruptcy district structure or the means test, but debtors with tribal-trust property or tribal-source income should confirm the correct treatment of such income and property with counsel.
• Filing fee. The Chapter 7 filing fee is set under 28 U.S.C. § 1930; verify the current amount and any fee-waiver/installment options with the clerk.

SOURCES AND REFERENCES

• 11 U.S.C. § 707(b)(2) — Means test and presumption of abuse: https://www.law.cornell.edu/uscode/text/11/707
• 11 U.S.C. § 101(10A) — Current monthly income definition: https://www.law.cornell.edu/uscode/text/11/101
• Adjustment of Certain Dollar Amounts Applicable to Bankruptcy Cases (90 FR 8941, eff. Apr. 1, 2025): https://www.federalregister.gov/documents/2025/02/04/2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases
• U.S. Trustee Program — Means Testing (Census median income & IRS standards): https://www.justice.gov/ust/means-testing
• Official Form 122A-1 / 122A-1Supp / 122A-2: https://www.uscourts.gov/forms/bankruptcy-forms
• U.S. Bankruptcy Court, Northern District of Oklahoma: https://www.oknb.uscourts.gov
• U.S. Bankruptcy Court, Eastern District of Oklahoma: https://www.okeb.uscourts.gov
• U.S. Bankruptcy Court, Western District of Oklahoma: https://www.okwb.uscourts.gov
• Bankruptcy Appellate Panel of the Tenth Circuit: https://www.bap10.uscourts.gov

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