Social security income is clearly excluded from the means test (which uses the median income) in every state. Some courts may still look at it as part of your overall budget and ability to pay your creditors in determining whether you can file a Chapter 7 case, or how much you have to repay in a Chapter 13, but the majority of courts are excluding it altogether.
Best way to find out is to have a consultation with an experienced bankruptcy lawyer in your area.
Mark Markus has been practicing exclusively bankruptcy law in California since 1991. He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization, AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.
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