I have been reading on this site for some time and notice that alot of you have a great deal of knowledge about credit matters. My question is how does being on Social Security Disability affect how we file for bankruptcy. My wife works and makes a halfway decent wage and I get Disability. How is disability figured in when calculating expenses and household income? We have about 31,000 in debt and no hope of ever getting caught up. Thanks in advance for any help..............NEVER THOUGHT I WOULD REACH THIS POINT.