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Excessive medical bills
After 10 years past of having over $100,000 in unsecured debt, I finally began to build my credit back. I am a Masters degree student living off of student loans. $ is extremely scarce. I have no insurance, and recently made five trips to the emergency room. There is no way that I can pay the bills. I've tried to negotiate payments, but since they've been placed in collections this is not an option. I just became aware of how much of a hit I have taken to my credit score. I've learned my lesson with credit cards I only have two that are currently up-to-date, but are close to their limits do to school. I will also be graduating this year with quite a bit of student loan debt. I am aware of that there's nothing I can do about that, that is not my concern. Would a bankruptcy be plausible option? Can you even take care of medical bills through a bankruptcy? From what I understand there is no longer a Chapter 7 you have to do a chapter 13? From what I understand this is just restructuring of your debt. Do I just leave it alone, or consider bankruptcy please help?

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