First we must determine if you are eligible for bankruptcy and what chapter of bankruptcy you are eligible to file.  Bankruptcy and Chapter eligibility is determined by income and type of debt. The income considered for eligibility is your average gross (before taxes) income from all sources over the last 6 months.  Some debts are not dischargeable in bankruptcy.  A review of the type of debts will determine if they are dischargeable or not. See: Can all types of debt be discharged discussion below.