Florida places restrictions on who may file for straight bankruptcy through Chapter 7. They use a median income test to qualify individuals for bankruptcy. If you make less than Florida's mean income, you are immediately eligible; however, if you make more than the median, you will be subject to a formula which takes into consideration your last six months of income, factors like child support, alimony or overdue taxes, and current payments and debt obligations. If this formula shows that you can pay at least $6,000 in debt over the next five years, you will be denied the option of Chapter 7 and forced into Chapter 13 bankruptcy.