The Right Decision (?)

Am I making the right decision filing bankruptcy? I feel as if its another bad decision that'll return to haunt me someday. I feel like such a failure; I messed on day one when I agreed to get a credit card. I didn't want to because I knew that this would happen and I was right. I feel so stupid; as if I'm never smart enough to make decisions where it counts. I feel like I don't have one inkling of independent thought because if I did, everything would be different. :...(