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.