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How Does the Haven Act Impact My Means Test?


In order to determine if you qualify for a Chapter 7 bankruptcy, you must pass the means test. The means test looks at your income and expenses to see if you have the ability to repay some of your debts. If your income is below the median income for your state, you automatically pass the means test. If your income is above the median, you must complete a series of calculations to determine if you can repay any of your debts.


The Haven Act was passed in August 2019 and it makes some changes to the way that student loan debt is calculated on the means test. Before the Haven Act, student loan debt was included in your total debts when determining if you could repay any of your debts. Now, with the Haven Act in place, student loan debt is not included when calculating whether or not you can repay any of your debts.



The Law Offices of Omar Zambrano has helped thousands of people and them businesses in the past to get out of debt and start over.



Our goal is to help you find a fresh start FAST!


Schedule your free consultation today! By Calling on the number 626-338-5505 or visiting us at 12738 Ramona Blvd Baldwin Park CA 91706






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