Unfortunately, no. Not everyone qualifies for Chapter 7, which is also called liquidation bankruptcy. While it does allow qualifying filers to wipe out many different types of debt, not just anyone can qualify. Your average monthly income for the past six months must be below the median income for similarly-sized households in your state. You must not have filed for Chapter 7 in the past 8 years. You must not have filed Chapter 13 in the past 6 years. If you tried to file for either bankruptcy, but a judge threw out your case, you must wait at least 181 days before filing again. You must complete an approved credit counseling course offered by a qualified credit counseling agency within 180 days before filing.