judgment from debt buyer/pre judgments Personal Bankruptcy

I have a total of 8 credit card history's 4 are being paid the minimum monthly payments which the balance is going nowhere 2 are on my credit report from being added as a user 1 I went to court against a debt buyer and lost and a judgment has been filed against me and 1 I have been served a summons and have a few days left to file a answer to. My status as far as judgments go is"judgment proof" I do not own anything or have income to garnish.I live with my boy friend who supports me. I make money by selling my personal belongings and wind chimes that I make on ebay. My monthly income comes out to be 328.55 and that is a high ball park figure. My question is can I claim all 8 credit cards on a chapter 7 and does my boy friends finances have to be considered when filling a chapter 7. My total debt including the ones I am currently paying is around 16,000. would I be better off with judgments against me and would filling a chapter 7 be a waist for the amount of debt I have.