My only income is social security and a monthly distribution from an irrevocable trust fund that is set up to be managed by my brother in such a manner that the funds therein a inaccessible to me under any condition so long as he lives to manage it. His duty is simply to distribute a limited amount each month and to do his best to invest to maintain it as long as possible. He takes this very seriously and will not distribute any more or any less (except for medical emergencies). Due to circumstances beyond my control the once easily livable distribution and SS can no longer pay my living expenses (long story of buying an eternal money pit, bad HOA management, personal non medical emergencies) forced me now to a point where I cannot pay my bills. I'm 70 and this is the first time in my life I'm tapped and trapped in a +27% credit situation. At the moment my credit is above 800 but in a couple of months it will crash as my cashflow won't cut it. So, the trust fund is north of $250,000 but my family made sure it is 100% inaccessible to me - can I declare bankruptcy - I guess based on my actual cash flow (SS plus monthly distribution) despite the trust fund's existence? I'm not trying any funny stuff to preserve it, it is just that as far as my personal finances/cash flow exist it may as well not exist. My brother is intractable about using his "power" to gift (which is in the trust). Restated, can I file for bankruptcy despite the existence of a trust set up for limited distribution (which is now inadequate)? I have zero power/access to it.