Is claiming bankruptcy a right? Or do I have to be deemed acceptable?

Yes, you have a right to file for bankruptcy as long as you can meet the residency requirements.  Many of my clients have filed just to get rid of large credit card debt.  First thing, stop paying those credit cards--you're flushing money down the toilet.  Also, if you have a credit card at the bank at which you have a bank account, change your bank account because the bank will clean out your checking account to pay for the credit card.