Your bankruptcy paperwork will take into consideration your income over the last six months before you file the case. If you are unemployed or have minimal income during this six month period, you will easily meet the means test and qualify for a Chapter 7 bankruptcy.  However, if your average monthly income is well over a certain limit during that six month period it may be very difficult for you to file for Chapter 7 bankruptcy and erase all of your unsecured debt.

It should be noted that COVID-19 pandemic assistance in the form of additional unemployment assistance is not counted in this 6 month calculation.  If your income is over the limit, then an experienced bankruptcy attorney can help you qualify by asserting certain deductions from your income.