Your obsticle here is that you qualify for Ch 7 now with no income. If a job presents itself, depending on your income, you may no longer qualify for Ch 7. Bankruptcy isn't exactly a quick process.
And without coming right out and saying it, thats exactly what he meant. Keep great records of where your money is going from now until you file if you do. You will have to list all your collections in your bankruptcy and risk surrendering them.

