So you filed a Chapter 13 bankruptcy, failed to make your payments, and dropped out. Now you're interested in filing Chapter 7? If it's been three years since you dropped out of Chapter 13, you may qualify. I have no way of knowing whether you would otherwise qualify, though, based on your income. You should be able to get a free consultation from a bankruptcy lawyer, who can clarify the waiting period and determine whether you qualify for Chapter 7 discharge.