{"id":8642,"date":"2025-12-31T14:56:27","date_gmt":"2025-12-31T14:56:27","guid":{"rendered":"https:\/\/juanburgoslaw.com\/pt-br\/?page_id=8642"},"modified":"2026-07-22T15:21:33","modified_gmt":"2026-07-22T15:21:33","slug":"calculadora-means-test-florida","status":"publish","type":"page","link":"https:\/\/juanburgoslaw.com\/pt-br\/calculadora-means-test-florida\/","title":{"rendered":"Calculadora do Means Test"},"content":{"rendered":"\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_heading_0 et_pb_heading et_pb_module et_block_module\"><div class=\"et_pb_heading_container\"><h1 class=\"et_pb_module_header\">N\u00e3o tem permiss\u00f5es suficientes para aceder a este conte\u00fado.<\/h1><\/div><\/div><div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><script src=\"https:\/\/unpkg.com\/vue@3\/dist\/vue.global.js\"><\/script>\n\n<style>\n    \/* --- ESTILOS GERAIS (Igual ao site) --- *\/\n    #jb-means-app-pt {\n        font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif;\n        color: #33475b;\n        background: #fff;\n        border-radius: 12px;\n        box-shadow: 0 15px 40px rgba(0,0,0,0.08);\n        overflow: hidden;\n        border: 1px solid #eaf0f6;\n        max-width: 900px;\n        margin: 0 auto;\n    }\n\n    .jb-grid {\n        display: grid;\n        grid-template-columns: 1fr 1fr;\n        min-height: 500px;\n    }\n\n    \/* --- PAINEL ESQUERDO: INPUTS --- *\/\n    .jb-panel-left { padding: 40px; background: #fff; }\n\n    .jb-header h2 {\n        font-size: 24px; font-weight: 700;\n        color: #0c71c3; margin: 0 0 5px 0;\n    }\n    .jb-header p { color: #7c98b6; font-size: 14px; margin: 0 0 30px 0; }\n\n    \/* Seletor de Tamanho da Fam\u00edlia *\/\n    .hh-grid {\n        display: grid;\n        grid-template-columns: repeat(4, 1fr);\n        gap: 10px;\n        margin-bottom: 25px;\n    }\n    .hh-btn {\n        padding: 15px;\n        border: 1px solid #e1eaf2;\n        background: #f8faff;\n        border-radius: 8px;\n        cursor: pointer;\n        font-weight: bold;\n        color: #516f90;\n        transition: all 0.2s;\n    }\n    .hh-btn:hover { border-color: #0c71c3; color: #0c71c3; }\n    .hh-btn.active {\n        background: #0c71c3;\n        color: white;\n        border-color: #0c71c3;\n        box-shadow: 0 4px 10px rgba(12, 113, 195, 0.3);\n    }\n\n    \/* Input de Renda *\/\n    .input-wrapper { margin-bottom: 20px; }\n    .input-wrapper label {\n        display: block; font-size: 12px;\n        text-transform: uppercase; letter-spacing: 0.5px;\n        color: #8898aa; font-weight: 700; margin-bottom: 8px;\n    }\n    .currency-input {\n        position: relative;\n    }\n    .currency-input span {\n        position: absolute; left: 15px; top: 12px;\n        color: #8898aa; font-weight: bold;\n    }\n    .currency-input input {\n        width: 100%; padding: 12px 12px 12px 30px;\n        border: 1px solid #dee2e6; border-radius: 8px;\n        font-size: 16px; color: #32325d;\n        transition: border 0.2s;\n    }\n    .currency-input input:focus {\n        border-color: #0c71c3; outline: none;\n        box-shadow: 0 0 0 3px rgba(12, 113, 195, 0.1);\n    }\n\n    \/* --- PAINEL DIREITO: RESULTADOS --- *\/\n    .jb-panel-right {\n        background: #f4f6f9; padding: 40px;\n        border-left: 1px solid #e1eaf2;\n        display: flex; flex-direction: column;\n        justify-content: center;\n        text-align: center;\n    }\n\n    .status-icon {\n        font-size: 40px; margin-bottom: 15px;\n        display: inline-block;\n        width: 80px; height: 80px; line-height: 80px;\n        border-radius: 50%;\n        background: white;\n        box-shadow: 0 4px 10px rgba(0,0,0,0.05);\n    }\n\n    .result-title {\n        font-size: 22px; font-weight: 800;\n        margin-bottom: 10px; color: #2c3e50;\n    }\n    .result-desc {\n        font-size: 15px; line-height: 1.6;\n        color: #525f7f; margin-bottom: 30px;\n    }\n\n    \/* Barra Visual *\/\n    .bar-container {\n        background: #e9ecef;\n        height: 20px; width: 100%;\n        border-radius: 10px;\n        position: relative;\n        overflow: hidden;\n        margin-bottom: 10px;\n    }\n    .bar-fill {\n        height: 100%;\n        transition: width 0.5s ease, background-color 0.5s ease;\n    }\n\n    .stat-row {\n        display: flex; justify-content: space-between;\n        padding: 15px; background: white;\n        border-radius: 8px; margin-top: 20px;\n        border: 1px solid #e1eaf2;\n    }\n    .stat-col { text-align: left; }\n    .stat-col span { display: block; font-size: 11px; text-transform: uppercase; color: #8898aa; }\n    .stat-col strong { font-size: 16px; color: #32325d; }\n\n    .disclaimer {\n        font-size: 11px; color: #999; margin-top: auto;\n        padding-top: 20px; border-top: 1px solid #e1eaf2;\n    }\n\n    \/* MOBILE RESPONSIVE FIX *\/\n    @media (max-width: 980px) {\n        .jb-grid { display: flex; flex-direction: column; }\n        .jb-panel-right { border-left: none; border-top: 1px solid #eaf0f6; padding: 30px 20px; }\n        .jb-panel-left { padding: 30px 20px; }\n    }\n<\/style>\n\n<div id=\"jb-means-app-pt\">\n    <div class=\"jb-grid\">\n        \n        <div class=\"jb-panel-left\">\n            <div class=\"jb-header\">\n                <h2>Teste de Meios da Fl\u00f3rida<\/h2>\n                <p>Compare sua renda com a Mediana da Fl\u00f3rida (Efetivo 1 Nov 2025).<\/p>\n            <\/div>\n\n            <div class=\"input-wrapper\">\n                <label>Tamanho da Fam\u00edlia (Household)<\/label>\n                <div class=\"hh-grid\">\n                    <button class=\"hh-btn\" :class=\"{ active: hhSize === 1 }\" @click=\"hhSize = 1\">1<\/button>\n                    <button class=\"hh-btn\" :class=\"{ active: hhSize === 2 }\" @click=\"hhSize = 2\">2<\/button>\n                    <button class=\"hh-btn\" :class=\"{ active: hhSize === 3 }\" @click=\"hhSize = 3\">3<\/button>\n                    <button class=\"hh-btn\" :class=\"{ active: hhSize === 4 }\" @click=\"hhSize = 4\">4+<\/button>\n                <\/div>\n                \n                <div v-if=\"hhSize >= 4\" style=\"margin-top:-15px; margin-bottom: 20px;\">\n                    <label>Total de Pessoas<\/label>\n                    <input type=\"number\" v-model.number=\"customSize\" min=\"4\" max=\"12\" style=\"padding:8px; border-radius:6px; border:1px solid #ddd; width: 60px;\">\n                <\/div>\n            <\/div>\n\n            <div class=\"input-wrapper\">\n                <label>Renda Bruta Anual Familiar<\/label>\n                <div class=\"currency-input\">\n                    <span>$<\/span>\n                    <input type=\"number\" v-model.number=\"income\" placeholder=\"Ex. 65000\">\n                <\/div>\n                <small style=\"color:#999; display:block; margin-top:5px;\">Inclua sal\u00e1rios, gorjetas, b\u00f4nus, etc. antes dos impostos.<\/small>\n            <\/div>\n\n            <div style=\"margin-top: 20px; font-size: 14px;\">\n                <label style=\"cursor:pointer; display:flex; align-items:center;\">\n                    <input type=\"checkbox\" v-model=\"isMonthly\" style=\"margin-right: 10px;\">\n                    Eu inseri a Renda Mensal (n\u00e3o anual)\n                <\/label>\n            <\/div>\n        <\/div>\n\n        <div class=\"jb-panel-right\">\n            \n            <div class=\"status-icon\" :style=\"{ color: isUnder ? '#27ae60' : '#e67e22' }\">\n                {{ isUnder ? '\u2713' : '!' }}\n            <\/div>\n\n            <div class=\"result-title\" :style=\"{ color: isUnder ? '#27ae60' : '#e67e22' }\">\n                {{ isUnder ? 'Abaixo da Mediana' : 'Acima da Mediana' }}\n            <\/div>\n\n            <div class=\"result-desc\">\n                {{ resultMessage }}\n            <\/div>\n\n            <div class=\"bar-container\">\n                <div class=\"bar-fill\" :style=\"barStyle\"><\/div>\n            <\/div>\n            <div style=\"display:flex; justify-content:space-between; font-size:12px; color:#888; font-weight:600;\">\n                <span>$0<\/span>\n                <span>Limite: ${{ formatMoney(currentLimit) }}<\/span>\n            <\/div>\n\n            <div class=\"stat-row\">\n                <div class=\"stat-col\">\n                    <span>Sua Renda Anual<\/span>\n                    <strong>${{ formatMoney(annualizedIncome) }}<\/strong>\n                <\/div>\n                <div class=\"stat-col\" style=\"text-align:right;\">\n                    <span>Limite FL ({{ effectiveSize }} Pess.)<\/span>\n                    <strong>${{ formatMoney(currentLimit) }}<\/strong>\n                <\/div>\n            <\/div>\n\n            <div class=\"disclaimer\">\n                *Dados efetivos de 1 Nov 2025. Resultados estimados. A renda bruta inclui a m\u00e9dia dos \u00faltimos 6 meses.\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<script>\n    const { createApp, ref, computed } = Vue;\n\n    createApp({\n        setup() {\n            \/\/ DADOS DA FL\u00d3RIDA (Effective Nov 1, 2025 estimates)\n            const flData = {\n                1: 72650, \n                2: 89740,\n                3: 101430,\n                4: 122150,\n                addOn: 9900 \/\/ Add per person over 4\n            };\n\n            \/\/ State\n            const hhSize = ref(1);\n            const customSize = ref(4);\n            const income = ref(null);\n            const isMonthly = ref(false);\n\n            \/\/ Computed\n            const effectiveSize = computed(() => hhSize.value < 4 ? hhSize.value : customSize.value);\n            \n            const currentLimit = computed(() => {\n                if (effectiveSize.value <= 4) {\n                    return flData[effectiveSize.value];\n                } else {\n                    const extraPeople = effectiveSize.value - 4;\n                    return flData[4] + (extraPeople * flData.addOn);\n                }\n            });\n\n            const annualizedIncome = computed(() => {\n                let val = income.value || 0;\n                return isMonthly.value ? val * 12 : val;\n            });\n\n            const isUnder = computed(() => annualizedIncome.value <= currentLimit.value);\n\n            const resultMessage = computed(() => {\n                if (isUnder.value) {\n                    return \"Voc\u00ea est\u00e1 abaixo da Renda Mediana da Fl\u00f3rida. Isso cria uma 'Presun\u00e7\u00e3o de N\u00e3o Abuso', o que significa que voc\u00ea provavelmente se qualifica para o Cap\u00edtulo 7.\";\n                } else {\n                    return \"Voc\u00ea est\u00e1 acima da Renda Mediana. Isso n\u00e3o o desqualifica, mas voc\u00ea deve passar pelo 'Means Test' completo (gastos vs. renda) para saber se pode declarar Cap\u00edtulo 7.\";\n                }\n            });\n\n            const barStyle = computed(() => {\n                let pct = (annualizedIncome.value \/ currentLimit.value) * 100;\n                if (pct > 100) pct = 100;\n                return {\n                    width: pct + '%',\n                    backgroundColor: isUnder.value ? '#27ae60' : '#e67e22'\n                };\n            });\n\n            \/\/ Using US locale for money format as users are in the US\n            const formatMoney = (n) => n.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});\n\n            return { \n                hhSize, customSize, income, isMonthly, \n                effectiveSize, currentLimit, annualizedIncome, \n                isUnder, resultMessage, barStyle, formatMoney \n            };\n        }\n    }).mount('#jb-means-app-pt');\n<\/script><\/div><\/div><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div style=\"max-width: 800px; margin: 40px auto; color: #333; line-height: 1.8;\">\n<h2 style=\"color: #0c71c3;\">Sou Eleg\u00edvel para a Bancarrota Cap\u00edtulo 7 na Fl\u00f3rida?<\/h2>\n<p>O primeiro passo para declarar fal\u00eancia na Fl\u00f3rida \u00e9 determinar sua eligibilidadee atrav\u00e9s do <strong>\"Means Test\" (Teste de Meios)<\/strong>. Este teste compara a renda bruta m\u00e9dia da sua fam\u00edlia nos \u00faltimos seis meses (anualizada) com a Renda Mediana para uma fam\u00edlia do seu tamanho na Fl\u00f3rida.<\/p>\n<div style=\"display: flex; gap: 20px; margin: 30px 0; flex-wrap: wrap;\">\n<div style=\"flex: 1; background: #f4f8fb; padding: 20px; border-radius: 8px; border-top: 4px solid #27ae60;\">\n<h4 style=\"margin-top: 0; color: #27ae60;\">Abaixo da Mediana<\/h4>\n<p style=\"font-size: 15px; margin-bottom: 0;\">Se a sua renda estiver abaixo do limite mostrado acima, existe uma \"presun\u00e7\u00e3o de n\u00e3o abuso\". Geralmente, voc\u00ea <strong>se qualifica automaticamente para o Cap\u00edtulo 7<\/strong> no que diz respeito aos n\u00edveis de renda.<\/p>\n<\/div>\n<div style=\"flex: 1; background: #fff8e1; padding: 20px; border-radius: 8px; border-top: 4px solid #e67e22;\">\n<h4 style=\"margin-top: 0; color: #e67e22;\">Acima da Mediana<\/h4>\n<p style=\"font-size: 15px; margin-bottom: 0;\">Estar acima da mediana <strong>n\u00e3o o desqualifica automaticamente<\/strong>. Significa apenas que seu advogado deve realizar o c\u00e1lculo completo do Means Test, deduzindo despesas permitidas (hipoteca, impostos, sa\u00fade) para ver se sobra renda dispon\u00edvel.<\/p>\n<\/div>\n<\/div>\n<h3>Limites de Renda para Casos Iniciados ap\u00f3s 1 de Nov, 2025<\/h3>\n<p>O Departamento de Justi\u00e7a atualiza esses n\u00fameros aproximadamente a cada seis meses. A calculadora acima utiliza os dados da Fl\u00f3rida efetivos para o per\u00edodo que come\u00e7a em 1 de novembro de 2025.<\/p>\n<p><strong>Nota sobre o Tamanho da Fam\u00edlia:<\/strong> Sua fam\u00edlia inclui voc\u00ea, seu c\u00f4njuge (mesmo que n\u00e3o estejam declarando juntos) e dependentes que voc\u00ea sustenta financeiramente. Colegas de quarto (roommates) geralmente n\u00e3o s\u00e3o inclu\u00eddos, a menos que compartilhem as finan\u00e7as totalmente.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section pac-dtocm-exclude\"><div class=\"et_pb_row_1 et_pb_row et_pb_gutters1 et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 style=\"text-align: left;\"><span>Defendendo seus direitos e interesses<\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><span>Para garantir seus direitos e compensa\u00e7\u00f5es<\/span><\/h3>\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3 class=\"LC20lb MBeuO DKV0Md\"><strong>Mais de uma d\u00e9cada de experi\u00eancia em Acidentes de Ve\u00edculos e Direito de Fal\u00eancias<\/strong><\/h3>\n<\/div><\/div><\/div><div class=\"et_pb_column_2 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_contact_form_0 et_pb_contact_form_container clearfix et_pb_recaptcha_enabled et_pb_module et_flex_module\" data-form_unique_num=\"0\" data-form_unique_id=\"f4c954a5-44c4-4293-8cd9-749960806feb\" id=\"et_pb_contact_form_f4c954a5-44c4-4293-8cd9-749960806feb\"><h2 class=\"et_pb_contact_main_title\">Fa\u00e7a uma avalia\u00e7\u00e3o gratuita hoje mesmo!<\/h2><div class=\"et-pb-contact-message\"><\/div><div class=\"et_pb_contact\"><form class=\"et_pb_contact_form et_flex_module\" method=\"post\" action=\"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8642\"><div class=\"et_pb_contact_field_0 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"name\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_name_0\">Nome<\/label><input type=\"text\" name=\"et_pb_contact_0_name_0\" id=\"et_pb_contact_0_name_0\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"name\" placeholder=\"Nome\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_1 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"email\" data-type=\"email\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_email_1\">Endere\u00e7o de E-mail<\/label><input type=\"text\" name=\"et_pb_contact_0_email_1\" id=\"et_pb_contact_0_email_1\" class=\"input\" data-required_mark=\"required\" data-field_type=\"email\" data-original_id=\"email\" placeholder=\"Endere\u00e7o de E-mail\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_2 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"telephone\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_telephone_2\">Telefone de contato<\/label><input type=\"text\" name=\"et_pb_contact_0_telephone_2\" id=\"et_pb_contact_0_telephone_2\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"telephone\" placeholder=\"Telefone de contato\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_3 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"message\" data-type=\"text\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_message_3\">Mensagem <\/label><textarea name=\"et_pb_contact_0_message_3\" id=\"et_pb_contact_0_message_3\" class=\"et_pb_contact_message input\" data-required_mark=\"required\" data-field_type=\"text\" data-original_id=\"message\" placeholder=\"Mensagem \"><\/textarea><\/div><input type=\"hidden\" name=\"et_pb_contactform_submit_f4c954a5-44c4-4293-8cd9-749960806feb\" value=\"et_contact_proccess\" \/><div class=\"et_contact_bottom_container\"><div class=\"et_pb_button_wrapper\"><button type=\"submit\" name=\"et_builder_submit_button\" class=\"et_pb_button et_pb_contact_submit\">Envie<\/button><\/div><\/div><input type=\"hidden\" id=\"_wpnonce-et-pb-contact-form-submitted-f4c954a5-44c4-4293-8cd9-749960806feb\" name=\"_wpnonce-et-pb-contact-form-submitted-f4c954a5-44c4-4293-8cd9-749960806feb\" value=\"6806bd934f\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/pt-br\/wp-json\/wp\/v2\/pages\/8642\" \/><\/form><\/div><\/div><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 class=\"LC20lb MBeuO DKV0Md\" style=\"text-align: center;\"><span>Consulta Gratuita<\/span><\/h2>\n<\/div><\/div><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\"><span>A qualidade e o resultado da nossa assist\u00eancia legal depender\u00e3o de fatores espec\u00edficos relacionados aos seus casos individuais.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Descubra se voc\u00ea se qualifica para a Fal\u00eancia (Cap\u00edtulo 7) na Fl\u00f3rida. Use nossa calculadora gratuita para comparar a renda da sua fam\u00edlia com a mediana do estado (Dados Nov 2025).<\/p>\n","protected":false},"author":1,"featured_media":8643,"parent":0,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-8642","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/comments?post=8642"}],"version-history":[{"count":1,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8642\/revisions"}],"predecessor-version":[{"id":9822,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/8642\/revisions\/9822"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/media\/8643"}],"wp:attachment":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/media?parent=8642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}