Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
If the Trust has a spendthrift provision your Trust is protected from the reach of creditors and bankruptcy proceedings. It needs to be very clear in the Trust document so you would need to take the Trust document to your Bankruptcy attorney for them to review carefully. Otherwise, if you file bankruptcy the Trustee is going to reach in and take the money from the Trust to pay your creditors.
You should discuss with your Trustee getting payment from your Trust before filing bankruptcy. They will try and go after it anyway, and any money you receive from it will be counted as income for the means test. If the money is there, you should get out of debt through your Trust, there is no reason to have a bankruptcy on your credit file.