Why are you considering bankruptcy? 
Garnishment
Creditor Harassment
Repossession
Foreclosure
Lawsuits Illness/Disability
License Suspension
Divorce
Loss of Income
(I found this list by searching "Can you file bankruptcy w/o credit card debt") 

A neighbor did recently.

check     www.wiki.answers.com/Q/Can_you-just_declare_bankruptcy_on_your_credit_debt

               http://www.payingpaul.com/bankruptcy.plp

Yes you can.  Check with a bankruptcy trustee.  They can give you all the information that you need along with various options.  Their first consultation is usually free, but check first.

nothing comes cheap, I got link on line.

http://www.moranlaw.net/plastic.htm