Bankruptcy should always be considered a last resort since it can damage your credit for many years. If you are tired of fielding constant creditor and debt collector harassment over minor debts, using the Fair Debt Collection Practices Act may be a better choice than bankruptcy.
If you know you will have significant expenses soon, you may want to wait to file for bankruptcy. Since there are strict limits on which debts you can claim under bankruptcy, it makes sense to wait until you have incurred them.