That is not enough debt to declare bankruptcy. Further, overspending - spending what you cannot afford to pay off at the end of the month will not qualify you for bankruptcy. Those debts will not be dischargable. Dischargeable debts are those that you have been paying on a regular basis, interrupted by a loss of a job or a similar disaster that "suddenly" made it impossible for you to continue paying an ongoing debt. Your bank statements would be examined going back several years. Living beyond your means will not discharge those debts. So you can forget buying a house, forget renting an apartment, forget a loan, forget about a lot of things. But you should not be forgetting about child support. You have an obligation to your child to get it so go after it. Also, stop spending money on what you cannot afford. Pay off your debts, what you can afford every month. Budget - write out a plan to get it paid off, hopefully within five years. The sooner the better because court interest is at 10 percent. When sued, you are also going to owe court costs and possibly attorney's fees. Get a second job and ask your parents if they would babysit your child for some of the time while you are at work. If you continue to do nothing, you will have bad credit for the rest of your life. Lastly, show some responsibility for G*d's sake and quit with the excuses. Excuses are not going to help the situation.
Certified Paralegal, with 25+ years' experience.