@aodhsishaj@metaStatic bankruptcy is by far not the worse thing you can do. Often trying to unbury yourself will take longer to get back to solvency.
We had to medical B out. Get cancer these days, particularly with a $6K+ deductible for a PPO and you're toast. We managed to switch to a HMO before surgery and we were still toast. And I had a Good Job.
File, get a pre-paid card then some high-interest you barely use, then some "normal" credit and it builds faster than you know