I disagree with selling the car. You need reliable transportation for work and safe transportation for your child.

3k buys very little these days, especially if you aren't car savvy enough to fix things yourself.

Prioritize your debts: living expenses>transportation>everything else until you get back to full time employment.

If you can't pay the credit cards, you can't pay them. Not enough debt to file BK, unless you actually get sued.

FYI: 401k accounts are exempt from debtors, even in a bankruptcy. Don't touch the 401k.