Is there a document to assist in determining debt versus cash to see if bankruptcy is necessary?

Schedules I and J are the schedules on the bankruptcy petition which show how much disposable income you have (if it is negative or close, Chapter 7 is usually preferable, if there is excess income of over $100/mo, then Chapter 13 is usually the result). I suggest downloading a Schedule I and J from the internet and fill them out as a starting point, though it is a good idea to discuss them with an attorney. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!