I think it’s time to declare bankrupty. Why not?

I just received a letter from a credit card company, saying they are decreasing my available credit to about $0.45 above my current balance. There goes that emergency buffer. This means that if a payment is even fifteen minutes late I’ll be charged, in addition to a late fee, an over-limit fee caused by the addition of the late charge fee. Fuck you very much.

Can’t I get a couple of thousand out of that $1,000,000,000,000,000,000 that is being giving to homeowners, businesses (including the financial institution that sent me the letter), rich people and just about everybody else? I don’t really own anything of value so I won’t be losing any assets and if it ruins my credit rating for the next seven years, so what? It’s not like I’m going to be buying a house anytime soon. 

I wonder how much a bankruptcy lawyer would cost. Surely they’re available like late-night ambulance chaser lawyers? If not, then there’s a niche that needs to be filled.