Means Test.

Stover McGlaughlin is a debt relief agency.  We are proud of our 40-year tradition of helping people file for bankruptcy relief under the Bankruptcy Code.

Serving Centre, Clearfield, Clinton, Huntingdon, and Mifflin Counties, including the communities of Bellefonte, Burnham, Clearfield, Curwensville, DuBois, Huntingdon, Lewistown, Lock Haven, Mount Union, Philipsburg, State College, and others.

UNDER THE U.S. BANKRUPTCY CODE, YOU ARE PRESUMED TO BE ELIGIBLE TO FILE A SIMPLE CHAPTER 7 BANKRUPTCY IF YOUR HOUSEHOLD IS EARNING LESS THAN MEDIAN INCOME.

As of March 15, 2017, median income in Pennsylvania is as follows:

1 person household – $50,501;
2 person household – $60,508;
3 person household – $74,083;
4 person household – $89,690;
5 person household – $98,090; and

Add $8,400 for each additional member.

 FOR YOUR INFORMATION, U.S. MONTHLY STANDARD SPENDING ESTIMATES FOR CERTAIN ITEMS ARE STATED BELOW.

For food, clothing, and personal items

1 person household – $570;
2 person household – $1083;
3 person household – $1249;
4 person household – $1509;
5 person household – $1850; and

Add $341 for each additional member.

 For health care:

$54 per person under 65 years old; and
$130 per person at or above 65 years old.

 For non-mortgage housing and utilities in Centre County:

1 person household – $440;
2 person household – $517;
3 person household – $545;
4 person household – $607; and
5 person household – $617 (maximum allowance).

 For mortgage/rent in Centre County:

1 person household – $971;
2 person household – $1140;
3 person household – $1201;
4 person household – $1340; and
5 person household – $1361 (maximum allowance).

 For vehicle operation/public transportation in Pennsylvania:

0 vehicle household – $173;
1 vehicle household – $251; and
2 vehicle household – $502 (maximum allowance)

 For transportation ownership/lease expense in Pennsylvania:

0 vehicle loan/lease household – $0;
1 vehicle loan/lease household – $471; and
2 vehicle loan/lease household – $942 (maximum allowance)

 For non-mortgage housing and utilities in neighboring counties:

Household
Size                  Blair                 Clearfield         Clinton         Huntingdon       Mifflin

1                      $467                $490                $470                $466                $481
2                      $548                $576                $552                $547                $565
3                      $578                $606                $582                $577                $595
4                      $644                $676                $649                $643                $664
5                      $655                $687                $660                $654                $675

 For mortgage/rent in neighboring counties:

Household
Size                          Blair            Clearfield          Clinton        Huntingdon       Mifflin

1                      $604                $561                $664                $621                $575
2                      $710                $659                $779                $729                $675
3                      $748                $695                $821                $768                $712
4                      $834                $775                $915                $857                $793
5                      $847                $787                $930                $870                $806