I haven’t worked in years, can I apply for bankruptcy? Upsolve Help June 05, 2018 18:18 Yes! Many of the people we help do not have jobs. You do not need to have a job to file for bankruptcy. Related articles I'm stuck in the income-expense loop. Can you help? My Trustee asked me for my tax returns, but I'm on SSD. What should I do? Comments 0 comments Please sign in to leave a comment.