Self File Bankruptcy California

I'm young, desperate, and ignorant … How I can fix my bad credit?
I have 23 years live in Southern California, I am a student full-time, full time job, I stay alone and I'm about $ 1,600 per month. My expenses essentially equal and I live very frugal. I can be a bit of money left in savings, but that is usually drawn by a medical emergency or transport. I have a 5 years of combined debt of about $ 3,500 into an account bank and credit card. Then about $ 1,500 in medical debts to various creditors more than 2-5 years. So I have a bad credit becomes a vicious circle, but Chang desperately want this and take the best advantage, I do not know what to do? Should I or I can file for bankruptcy? debt consolidator? Pay smaller debt payments? (Maybe I could pay $ 150 a month to my debt) So what I can do to rebuild my credit after I can fix my mistakes?
What Is health insurance. Each school of my children was to undergo a compulsory scheme of health insurance unless they could prove to College I had insurance through their work or family.
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