I've been through it (bankruptcy) and it's not the end of the world. But I don't know if I would go through it over $9000, which is not really big money these days.

You've got a dependency problem. You were dependent on credit. Now you are being lured into deepening dependency on your dad. If you don't break that habit now, you never will. Cut those living expenses down to what you can afford. Start listening to Suze Ormond on television, and buy some of her books.

You are right to not want your father knowing all your business. So stop telling him everything, and stop having him bail you out every month with contributions toward your rent. He's keeping you from finishing the job of growing up and being your own person. He's really not helping you by wanting to keep you financially dependent on him.