Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is or is intended to be created by my answer. You should contact an attorney in your area to discuss your case.
You cannot be your own dependent. You have to have another human being as a dependent to whom you are providing more than 50 % support.
Your wages can and will be garnished if a credit card company has a judgment against you.
There are many bankruptcy attorneys who offer free initial consultation. Take advantage of it.
No attorney-client relationship exists by the submission of this answer. Elias Leonard Dsouza, Esq. is only licensed to practice in the state of Florida. Any response given is based on the question presented and not individual or particular facts. Please consult an attorney in your state for a more detailed explanation and legal advice particular to your situation.