I was laid off 2 years ago, and unfortunately, I still haven't found work. I do not own a home or vehicle. No stocks, retirement or savings. Pretty much all I have is some furniture and about $100 in checking. Currently collecting unemployment. I had about $15k in debt, and made arrangements with CareOne to lower payments and payoff some of the debt. Also have a Prosper loan. I have depleted my savings to stay a float, and now I'm pretty much out of money and can't pay bills. I am not delinquent on anything yet, but as of next month, I will not be able to make the agreed payments. My question is, should I file chapter 7 before I can't pay or just let everything go into default, then file?