The answer to the question, "when to file bankruptcy" is not a simple one. For millions of American, this seems the only way out. Bankruptcy is a legal process through which an individual or group can gain relief from their debt. It is intended to allow a "fresh start." When to file for bankruptcy, according to some experts, is when you are at the very end of your credit and economic rope. For these professionals bankruptcy is a last option. Filing bankruptcy is not difficult in some countries. There are, however, restrictions on what type and who can apply. In the United States, the means test prevents many from choosing Chapter 7. In Scotland, there is Low Income, Low Asset (LILA) test. In both cases, specific information sets the criteria for who can or cannot apply for and receive certain types of bankruptcy protection. In all instances the types of bankruptcy and the legal aspects are covered under various acts or legislation. These vary throughout the world. However, legal variations are sure to affect your decision when to file bankruptcy