Not everyone is eligible to file for Chapter 7 bankruptcy. There is a means test that looks at the filer's income and disposable income. If a filer has a high-income relative to the median income where they live, they might be unable to file.
In Maryland, if your monthly income is above $12,475, you would not be eligible for bankruptcy protection. The amount of debt is also a factor in determining a filer's eligibility for bankruptcy protection. Even if someone cannot file for Chapter 7, they might still be able to file for Chapter 13 bankruptcy.