[meditate89]

***** Hand History for Game 3220362033 *****
NL Texas Hold'em $20 Buy-in + $2 Entry Fee Trny:18378976 Level:1 Blinds(10/15) - Sunday, December 18, 01:31:51 ET 2005
Table Table 67460 (Real Money)
Seat 5 is the button
Total number of players : 10
Seat 5: billydafish3 ( $800 )
Seat 6: Matt_Shaffer ( $800 )
Seat 8: chipcrazed ( $800 )
Seat 9: QuasiFiction ( $800 )
Seat 10: WrigleysXtra ( $800 )
Seat 7: HERO ( $800 )
Seat 4: matts777 ( $800 )
Seat 2: StNicholas ( $800 )
Seat 3: jhawkljw ( $800 )
Seat 1: Hebecat ( $800 )
Trny:18378976 Level:1
Blinds(10/15)
** Dealing down cards **
Dealt to HERO [ Qd Jd ]
chipcrazed calls [15].
QuasiFiction folds.
WrigleysXtra folds.
Hebecat calls [15].
StNicholas folds.
jhawkljw folds.
matts777 folds.
billydafish3 calls [15].
Matt_Shaffer folds.
HERO checks.
** Dealing Flop ** [ Qs, Ts, 9c ]
HERO checks.
chipcrazed checks.
Hebecat bets [65].
billydafish3 calls [65].
HERO ???

- I could smooth call and try to hit two pair/ trips / straight
- But there's a flush draw out there, so I basically need to raise or fold.
-If I make a substantial raise I will be committing myself with top pair good and a good draw- not the end of the world but if someone has two pair or a set I surely am behind...

Sorry if this seems like a newbish question but I'm not that great post flop, especially with these small blinds, and I feel like I often leak away chips early in situations like this. But it seems really really bad to fold here.
Thanks in advance for your replies.

I almost forgot to mention: I obviously have the chance to bet out, not sure if not doing so was a mistake? Would like to hear arguments for betting / checking as well...