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Hi, I'm an immigrant with a green card. Last year, I got into an accident right after my insurance expired - I wasn't aware that it had expired, and now I have 10,000 dollars in debt to Geico. I am a nurse assistant and make under 20,000 a year, and have an additional 1000 in debt, for a total of 11,000. My credit rating isn't all that great since I didn't have a job for a while and was going to school. I'm wondering if I should declare bankruptcy, and if I did, would they be likely to approve it? I don't have any money for an attorney... but I know there is free representation out there.