Can I declare my debt as a write off

Or a independent contractor 

If you are reporting net self employment income on Schedule C, you can use business related expenses incurred on your credit card as a tax reduction.  Any other non-business related expenses on your credit card is non-deductible commercial expense. 

You typically file an amend tax return in TurboTax Online (TTO) by signing in and selecting the "amend" option for the year you wish to adjust.   When you first enter the amended return, it will ask the reason for amending and you select the sections you need to revisit.  Your refund registers should drop to zero at that point as the amendment refund or tax due amount reflects the difference between the original return and the corrected return.  You may also need to indicate the refund received or tax paid per the original return.  A 1040X form will be generated along with an amended copy of your return reflecting the changes when you are done.  

When you pay business expenses by credit card it is the same as paying with cash.  You deduct it when the purchase was made not when you pay the credit card bill.

Where to enter expenses in the Online version

https://ttlc.intuit.com/questions/3636848-where-do-i-enter-my-self-employment-business-expenses-like-home-office-vehicle-mileage-and-supplies

FOR SELF EMPLOYMENT 

You need to fill out schedule C for self employment business income and pay self employment tax in addition to regular income tax on it.  The SE tax is to pay Social Security and Medicare tax that wasn't taken out like on a W2.

You use your own name and ssn or business name and EIN if you have one.   You should say you use the Cash Accounting Method and all  income is at risk.  After you put in your income and expenses  if your net profit is $400 or more you will pay 15.3% for 2013  Self Employment tax in addition to your regular income tax.  The Schedule SE will be automatically filled out for it.

You can enter Self Employment Income into Online Deluxe but if you have any expenses you will have to upgrade to the Premium version.

How to enter income from Self Employment

https://ttlc.intuit.com/community/self-employed/help/how-do-i-report-income-from-self-employment/00/...

Where to enter expenses

https://ttlc.intuit.com/questions/3636848-where-do-i-enter-my-self-employment-business-expenses-like-home-office-vehicle-mileage-and-supplies

Here is some IRS reading material……

IRS information on Self Employment

http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Self-Employed-Individuals-Tax-Center

Pulication 334, Tax Guide for Small Business

http://www.irs.gov/pub/irs-pdf/p334.pdf

Publication 535 Business Expenses

http://www.irs.gov/pub/irs-pdf/p535.pdf

You pay Self Employment tax on $400 or more of net profit from self-employment in addition to any regular income tax.  You pay 15.3% SE tax on 92.35% of your Net Profit greater than $400.  The 15.3% self employed SE Tax is to pay both the employer part and employee part of Social Security and Medicare.  So you get social security credit for it when you retire.  

eventually, you must pay the CC debt because if you don't the CC company will likely take collection action and if they can't collect they will likely issue form 1099-C cancellation of debt which will be taxable income to you for the unpaid amount.