You're not a failure. You're not a loser. You are just going through a tough situation that you are trying to dig yourself out of. If you go forth with the bankruptcy, your attorney will be able to tell you what to do with your credit accounts once you retain him or her. Besides that, you seem to be doing well for yourself. Although it was a horrible experience, you're still out and about shopping for yourself. It's like pulling teeth for me to do that when I get depressed...I just order take out and sometimes can bribe my mom to bring me food. You go to the gym and work out. The only exercise I get is walking to and from my car and the train platform. You're making the effort to go out and meet new people at social events. These are all things that would take too much effort for me.
I work in the city, and every time I leave the train station I pass several homeless people with missing limbs or eyesight, sleeping on the streets or begging for change. When I pass these people, it puts life into perspective for me. It really can be much worse than where you are now.
You're trying your best to make things better, and if you keep making that effort, it will get better. It will take time and you have to be patient and committed. I was in your shoes about five years ago, and I've turned it all around. I filed a bankruptcy, but then I graduated (because I stopped stressing over bills), bought a house and leased a new car. Easier said than done but keep trying! Please take care of yourself