If you can prove that you wouldn’t be able to reasonably pay off debt.  Also I know this is the case in Florida, idk if it’s US level, you can only file one chapter 7 every 10 years.  So I wouldn’t get *right* back to the same life style.

But yes.  If you meet the conditions and can pay between 1-2k real money to retain an attorney for bankruptcy (they don’t take credit cards, for obvious reasons) you can pretty much start over in about 1-5 months, depending on how complicated your situation is and how the courts are.

***THIS IS A LAST RESORT***  Meant for when you’re in a situation where you could *never* pay off debt.  There are much better ideas to get your economic life back on track.