The Virginia bankruptcy means test evaluates whether an individual's income is sufficiently low to qualify for Chapter 7 bankruptcy. Higher-income people may be able to pay off some or all of their obligations via Chapter 13, which entails a structured repayment plan, but this criteria is intended to keep them from utilizing Chapter 7, which dismisses the majority of debts. After calculating the person's current monthly salary for the previous six months, the median income for a household of their size in Virginia is compared.They can file for Chapter 7 if their income is below the state median and they pass the means test.