Due to your financial situation, speak with Legal Aid and see if the office in your area is accepting bankruptcy cases. Also, check to see if there are any law schools in your area; typically they run free/low cost legal clinics that handle these type cases. Additionally, contact the bar association in your county/city; many times attorney will take certain cases pro bono (i.e. for free) or low cost depending on your income. Finally, since you are a college graduate and were a business owner for a decade, you may be able to file yourself; you may even qualify for a waiver of the filing fees.Here is a link to a site that you may find to be help: http://www.uscourts.gov/FederalCourts/Bankruptcy.aspx