There is no statutory amount of debt that is needed to file a bankruptcy.  I talk to my clients and review their budgets to see if they can afford to pay back their debts over time.  It really depends on your specific situation.   For example, $10,000 in credit card debt for someone who makes $100,000 a year is much different than $10,000 in medical bills for someone who only draws $600 a month in social security benefits.  I can help you review all options you have to help you decide what is the best choice for you.