I would probably try to look at it as a learning experience and get my Dad's help. My stepson had to do that with his father, they met once a week and my husband helped him make a budget and stick to it and every week he'd bring over his paycheck and they'd sit down and apportion it. If you haven't learned to manage money then you still won't know how just by doing all the work of filing for bankruptcy which I think would just add another level of stress and complexity to the situation. I'd take a year and work with your father and try not to take it personally, but more like a "school" year. It might help you become closer to your father again, too, if you want.