Step one: consult with experienced bankruptcy attorney and ask if you even need a bankruptcy at present. If you are "collection-proof" the answer could well be "no, for now."
Best wishes for an outcome you can accept, and please remember to designate a best answer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
I agree with my colleagues. If you have nothing, your creditors will get nothing. If you get a job and it pays more than minimum wage, you might be at risk for a wage levy. If that were to happen, you can file a claim of exemption on the grounds that 100% of your wages are necessary to support yourself (and spouse/children if you have them). Hold off on playing the BK card until you really need it because you can only file Chapter 7 every 8 years. If you want more assurance, contact a BK attorney offering a free consultation.
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