What are the requirements for a Chapter 7 versus a Chapter 13?

There is no way to answer your question without going through a full means test analysis, which can only be done after a comprehensive consultation, obtaining all relevant information.  You are clearly over the median income for your state, but it's possible (albeit doubtful) that the mortgage payment you have may provide sufficient deductions to qualify you. 

Your alternative is to file a Ch. 13, but if your total unsecured debt is over $336,000, then you would not be eligible. 

To see more on Chapter 7, please visit http://www.bklaw.com/chapter7/

For more on Chapter 13, please visit http://www.bklaw.com/chapter13/

Here is another link that I think you may find to be useful: http://www.uscourts.gov/bankruptcycourts/bankruptcybasics.html

It will provide basic information on different aspects of the federal bankruptcy laws.  It also provides individuals who may be considering bankruptcy with a basic explanation of the different chapters under which a bankruptcy case may be filed and to answer some of the most commonly asked questions about the bankruptcy process.  There are also forms provided, such as the means test.  This will give you a better idea of the eligibility of your particular case.