收到一個申請， 請大家幫忙看看，謝謝！

信用491， Total debt $46k(auto loan22k and Education loan), On-time payments 64%,  Income 5X of rent

Bankruptcy Chapter 7 discharged, Amount: $0, Liability: $0, Assests Plaintiff: $0, Status Date: Feb 2021

需要考慮嗎？