You can file a Chapter 13 if you are unemployed. What you really need to ask is whether you have sufficient and regular income to make your Chapter 13 payments (repayment of a plan can be for either 3 or 5 years depending on the particular case). The source of your income can be unemployment compensation, disability benefits, or any other form of income that you receive on a regular basis, even support from your family.While some people choose to file themselves, it is advisable, if possible, to at least consult with an attorney as to your case.