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Joeyfromjersey

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I am 28 I have no credit at all never a credit card or anything but I have $23000 in hospital
Should I file bankruptcy?

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Set up a payment plan with the hospital billing department. Presumably you're working and pay rent and utilities. You utilized the hospital's facilities, and you're morally and financially obligated to pay.

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Some hospitals have programs that reduce or eliminate the debt for those who do not have the means to repay.  They just don't advertise it.  ;;;

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