As the old saying goes, everything is relative. There are caps on the amount of unsecured/secured debts a person can discharge depending on the Bankruptcy Chapter they are filing. However, there is not a certain amount of debt in order to file for bankruptcy necessarily. It is important to look at present income, prior income, life style then and now, future income, changes in domestic support payments, future anticipated medical bills, etc.
So a number of factors go into determining whether your debt to income ratio indicates if a Bankruptcy filing is best for you and when, or simply trying to work with your creditors on negotiating a few debts is the way to go.