Filing for Bankruptcy in Hawaii

Get the state-specific information you'll need to file for bankruptcy in Hawaii.

If you live in Hawaii and want to file for Chapter 7 or Chapter 13 bankruptcy, the process will be similar to other states. This is because bankruptcy is mostly governed by federal bankruptcy laws. However, there is some Hawaii-specific information you will need to include on your bankruptcy forms. You’ll also have to know about the Hawaii bankruptcy exemptions and find an approved credit and debt counselor in Hawaii.

(For more articles on the filing process, see Filing for Bankruptcy.)

Here's how to find the Hawaii-specific information you'll need for bankruptcy.

Pre-Bankruptcy Credit Counseling and Pre-Discharge Debtor Education in Hawaii

In order to qualify for Chapter 7 or Chapter 13 bankruptcy, you must show that you received credit counseling from an agency approved by the U.S. Trustee in Hawaii within the six month period before you file for bankruptcy. You’ll also have to take a debtor education course before you get a bankruptcy discharge. (To learn more about this requirement, including the rare exceptions, see Credit Counseling & Debtor Education Requirements in Bankruptcy.)

You can find the list of approved Hawaii credit counseling agencies here.

You can find the list of approved Hawaii debtor education agencies here.

Hawaii Bankruptcy Exemptions

Hawaii has a set of bankruptcy exemptions which help determine what property you get to keep in Chapter 7 bankruptcy, and play a role in how much you repay unsecured creditors in Chapter 13 bankruptcy. (To learn more, see our Bankruptcy Exemptions area.)

In Hawaii, you may use either the Hawaii state exemptions, or the federal bankruptcy exemptions. (To learn about the federal exemptions, see The Federal Bankruptcy Exemptions.) You cannot mix and match from each list. If you choose to use the Hawaii state exemptions, you may also use any applicable amounts in the federal nonbankruptcy exemptions.

To learn about Hawaii’s exemptions for your home and car, see The Homestead Exemption in Hawaii and The Motor Vehicle Exemption in Hawaii. To find other Hawaii exemptions, see Hawaii Bankruptcy Exemptions.  

Completing the Bankruptcy Forms in Hawaii

When you file for Chapter 7 or Chapter 13 bankruptcy, you must complete a bankruptcy petition, a number of schedules containing detailed information about your finances, and several other forms, including a lengthy form known as the “means test” (for Chapter 7) and a similar form for Chapter 13.

(For a list of the forms you must complete, see The Bankruptcy Forms: Getting Started.)

Getting and Completing the Official Bankruptcy Forms

For more information about each of the official forms, including how to find them and fill them out, see Completing the Bankruptcy Forms.

Finding Means Test Information for Hawaii

When you file for bankruptcy in Hawaii, you must compare your income to the median income for a household of your size in Hawaii. If your income is less than the median, you will be eligible to file for Chapter 7 and, if you choose to file for Chapter 13, you can use a three-year repayment plan (rather than five years). This is called the means test.

If your income is above Hawaii’s median income, you still might qualify for Chapter 7, but you’ll have to provide detailed information about your expenses and payments on secured debts in order to find out. Most Chapter 13 filers also have to provide this information.

For information about each of these forms, see:

Form 22A – Statement of Current Monthly Income and Means Test Calculation (for Chapter 7), and

Form 22C – Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (for Chapter 13).

Here’s how to find the Hawaii-specific figures for these means test forms:

Hawaii median income figures. For a one-person household in Hawaii, the median income is $51,099. For a family of three, the Hawaii median income is $75,900. These figures change periodically. You can find the most current figures for each household size here.

Example. Mark’s annual income is $45,000. He lives alone. He will automatically pass the means test because his income is below $51,099.

Standard deductions. Forms 22A and 22C have a comprehensive list of expense categories, such as housing, transportation, food, and childcare. For some of those categories (like childcare), you provide the actual amount you spend. For others, you plug in a predetermined amount -- sometimes that figure is standard for the whole country, other times it varies by county or region.

You can find the Hawaii-specific figures you’ll need for Forms 22A and 22C on the U.S. Trustee’s website at Click on “Bankruptcy Reform” and then “Means Testing Information.”

Example. In Hawaii, the standard amount you list on your bankruptcy papers for housing varies by county. For example, if you live in Honolulu County, your mortgage or rent deduction is $1,632 for a one-person household. But if you live in Maui County, the deduction is $1,579. You can find housing expense standards for each Hawaii county here.

Getting Local Bankruptcy Forms

Some judicial districts and bankruptcy courts require bankruptcy filers to complete additional “local forms.” To find out if your court requires additional forms, contact the bankruptcy filing clerk. Some courts post these forms online on the court’s website. (Below you’ll find a link to Hawaii’s bankruptcy courts.)

Filing in the Hawaii Bankruptcy Court

Since there is only one bankruptcy court in Hawaii (see below for the link), you don’t need to worry about the rules for filing in the correct court.

You can use the Court Locator tool on the U.S. Trustee’s website to find bankruptcy court locations and websites. The Hawaii Bankruptcy Court website is

The bankruptcy court in Hawaii is located in downtown Honolulu.

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