Quote:
Originally Posted by BipolaRNurse
Medical debt can be discharged in bankruptcy. If your payments are too large, you might try negotiating them down; otherwise you may want to consider a chapter 13 or even a chapter 7. Only downside to that is if you run up more doctor/hospital bills (should you not qualify for Medicaid at some point). Are you receiving Medicare yet? It doesn't cover all medical expenses but if you can get Medicaid along with it, you're in good shape.
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No I have private insurance with a high deductible. Hence the medical debt. No SSI/SSDI or anything either. I think I'm doing ok enough not to have to file bankruptcy. My student loans have been going by mostly unpaid. I probably only pay about 5 or 6 months out of 12, unfortunately. Usually call for a forbearance when they start threatening to garnish my wages. Hopefully I'll do better next year with them. I'm looking at a probable pay raise for January and my vehicle will be paid off sometime next year too. It all just feels never ending! If I wasn't a single parent, I'd get a second job.