If you considering filing Chapter 7 Bankruptcy and you are unemployed, you should consider filing before you become reemployed. One of the qualifications to file Chapter7 Bankruptcy as an individual is that your income will generally need to be below the median income for your household size. This calculation is based on the 6 months of income prior to filing but, does not include the month that you are filing in. So, for example, if you are filing anytime in March of 2022, the 6-month time frame would run from September 2021 until February 2022.
What if I am currently unemployed and will be starting a job soon, should I file bankruptcy right away?
That is a more complicated question to answer. It depends on a variety of factors including whether your new job will pay you enough so that you have money left over each month after paying your basic living expenses, not including credit card, unsecured loans, etc. to pay money to creditors.
An attorney can help you decide when is the best time for you to file.