A: You can certainly file the bankruptcy by yourself but I'll bet every bankruptcy attorney who sees your question will agree that it is almost always a terrible idea.
That being said you can go to this link and get the forms and some guidance on how to do it yourself:
There are many possible things that can go wrong for a self filed case. I have seen people lose their house or cars because they did not do the proper things.
Just curious - you said "wages are garnished" but then you say you are unemployed.
A: I have handled many cases like this and have had judges set aside the Default Judgment. The form you are looking for is called "Motion to Set Aside Default Judgment. Here is the link:
You would need to show your addresses for the period of time in question. Even if you succeed you will have to deal with the case. Usually I was able to negotiate some kind of payment plan with the creditor for an amount less than a 25% garnishment.
In some cases depending on the size of the judgment a bankruptcy is the best option.
A: You should turn in returns ASAP and contact your attorney if you have one. Otherwise contact the trustee and own up to your mistake.
It will only get worse if you ignore it and your case will get dismissed if you don’t makes it up somehow.