How much do you have to owe to file bankruptcy? Filing for Bankruptcy in Tennessee is a difficult decision. Most people want to know if Bankruptcy in Tennessee is the right option or not. It’s a hard subject to deal with and it’s even harder to ask people “How much do you have to owe to file bankruptcy?” The answer depends on every situation. But the best way to tell is if you are making less each month than you owe. That sounds like everyone I know. But there is also a means test that a Tennessee Bankruptcy Attorney can run to determine whether or not based on what you owe and what you own if Bankruptcy is the right option for you. If you want to discuss Bankruptcy in Tennessee and your options please give me a call and i’ll be glad to talk with you about it.