When should someone consider bankruptcy?

is their a certain amount of money when someone should consider it. What kind of shape should you be in?
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If you can't pay bills anymore and your not making nearly enough money to come close to paying them off. Considering bankruptcy is an option, to look into. There are other options though, such as working with a debt consolidation group, or trying to sell off some of your personal items to pay off some of the debt. Or consider a second job if possible, or even ask your current boss for a raise, it would be better trying for that possibly that filing for bankruptcy.
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obvious- if your outgoing are larger than income you are storing problems
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Last resort. At least $25,000.