Thank you!! My plan is to go ahead and file, and get this "early 20's" part of my life behind me. I've definitely learned a valuable lesson through all of this, and it will not be to start right back up with my old habits or 20+ cards and 20K in debt. For the first time, I feel a weight is being lifted and I can see the shore through the waves.. don't get me wrong, though.. I'm still nervous as hell to just sit back and not pay any of my debt come the first of the month. This is a whole new concept for me, but in the future, will be extremely careful with my money! Appreciate all the advi