There are standards that the IRS uses for such things as living expenses: rent, food, electricity. They have standards with regard to car ownership and the like. Those standards are used in order to determine which chapter you would be eligible to file. There are other circumstances as well. For example, if you’re a single person (no children, no spouse, living by yourself) your gross income can be as high as approximately $41,000. If you are especially thrifty, and you make $40,000 let’s say, and your income to your expense ratio is pretty high, then you may be required to file under Chapter 13 because you have disposable income. Because it’s based on what you’re actually making vs your actual expense. Consulting with an attorney is the best way route, but I’m sure if you Google certain engines, you could probably find something on the internet that says which chapter you would qualify for.