If you are thinking about filing bankruptcy, you must know how to declare bankruptcy. Before you can file either Chapter 7 or 13, you must be able to pass under what is called a "means test". The means test identifies which people have the financial capacity to continue to pay a significant portion of their bills to creditors., If you are thinking about filing bankruptcy, you must know how to... moreIf you are thinking about filing bankruptcy, you must know how to declare bankruptcy. Before you can file either Chapter 7 or 13, you must be able to pass under what is called a "means test". The means test identifies which people have the financial capacity to continue to pay a significant portion of their bills to creditors., If you are thinking about filing bankruptcy, you must know how to declare bankruptcy. Before you can file either Chapter 7 or 13, you must be able to pass view page