Worried about BK & Self-Employment and recent Balance Transfers, Please Help!

[catleg]

You might want to use up whatever credit you have left on necessities you will need down the road .... clothes, food, books to learn a new trade, tools, etc.
Believe me it's every man for himself now and nobody is going to give you any hassle over it in your situation.
You need to figure out a career path for yourself and get serious about learning.
If you can sell, you'll never go hungry. Good sales people are always in demand.
If you have the personality for it this is a great career path.

[Dst1]

I want to reinforce the point made before that the real issue for you is income. Even if you declare BK, that only wipes out past mistakes. What will you do for income after that? You can't file another BK for 7 years. And you can only cut expenses so far and then there isn't anymore to cut.

I don't think you need to blame yourself. The Federal Reserve is at the same point. It cut interest rate to zero. Well, they can't go below that, so now what. As a country we can borrow from the future, but that only buys so much time and then that too fails. The whole cultural situation is a mess.

At the end of the day you need a steady and decent source of income. Ebay wasn't cutting it and you have been in denial about that. Taking up gardening is not going to cut it either. Don't go down that road.

You situation is a good example that for most people BK is not the problem, it's just a symptom of the underlying problem. And that problem is always (1) an inability to control expenses or (2) an inability to generate income. Given that you have been able to live on less than 1k a month, #1 is not you problem; #2 is. And you have to face that fact squarely and deal with it as an adult. Unless you learn a trade, skill or profession that allows you to generate steady income, you are in for a world of hurt that time will make worse, not better.