The total balance of my three bank accounts is less than a dollar
How much money do you have in the bank?
I have a checking account with $26.75, a savings account with $7.85, and credit card balance of $217.65.
It's important to be financially responsible since not having enough money will lead to a lot of hardship in life, especially when you encounter an emergency. You should work with a financial planner for help in better managing your money. Once you stick with a budget you will be able to grow your financial resources and be better prepared for your future.
I'm going to keep my head in the sand and pretend there is no problem.
That is not going to help you at all. Speaking with a financial expert, while embarrassing will help you.