yep tomorrow I have my appointment for it and I'm nervous. I had a credit card when I was in university YEARS ago, but I can't work and so can't pay for it normally. I closed it, although they said it was frozen instead of closed. And for about three months they gave me a break so I didn't have any interests, but now I do and I can't afford it anymore. I'm tired of starving and I'm going to need clothes soon, either that or I'm going to be walking around naked...I should have done this a lONG time ago...and I won't mind not having a credit card anymore... anyone here filed for bankruptcy?