In Virginia, as in all states, individuals seeking Chapter 7 bankruptcy must pass the means test to qualify. The means test compares your income to the median income for a household of similar size in Virginia. If your income is below the median, you typically qualify for Chapter 7. If it's above the median, further calculations are done to determine eligibility based on expenses and other factors. Consulting with a bankruptcy attorney familiar with Virginia laws is advisable for personalized guidance.