Its not the mechanics of filing that you are worried about, but rather do you need to file BK at all? You appear to be what is called, "judgment proof", meaning even if your creditors got a judgment against you how could they collect anything? Unless you own real estate with a large equity or a bag of gold/silver coins what assets do you have which could be seized after judgment? You can file BK by sending your paperwork by mail or in person, or electronically with the assistance of an attorney. If you have other questions, contact me or another AVVO lawyer offering a free consultation.
The bankruptcy self help desk has a clinic in korea town. Maybe they have one around there (google and call public counsel).
Anyway, go to this clinic to figure out if bankruptcy is even right for you. It's free and it's a 4 hour training session every other Tuesday. There are bus stops and train stops near by so you should be ok on transportation.
If you're not an attorney, you cannot file online.
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