I had a bit of luck today. I ran across a flier that was discussing Indianapolis bankruptcy filing and everything that's involved with that process. That will save me at least a few hours of researching. I had planned to spend a considerable amount of time looking for anything I could find online. I've been wanting to schedule a meeting with someone to discuss all of my options for a long while already, but I want to know what I'm talking about first. If I decide to go ahead with an Indianapolis bankruptcy filing it would be a huge deal for me and I want to be more responsible about it than I was with my finances. I'm being extremely careful now. I'm not as impulsive as I used to be. That applies to all areas of my life, not just with my finances. I've really been taking my time with relationships too. I decided I wanted to stop rushing everything. The relationships I got myself into kept falling apart so quickly and I finally just stepped back and had to question what I was doing. Now I want to be friends with the person, first. It's a slower process, but I think it has a more solid foundation. All I can say is that I've really turned over a  new leaf this year.