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Janetm1

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My credit is so low due to medical bill not credit cards
Had to retired due to illness

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Medical Bills and Credit

If you have huge medical bills that would take many years to pay off with limited retirement income, and they are recent (within your state's statute of limitations), you might consider bankruptcy. Medical Bills are the #1 reason for bankruptcy.  It gives you a fresh start and there is no shame in having to file due to extreme medical debt you acquired outside your control.  However, if you have significant assets, you need to consult attorney before you take that step.

Don't make the mistake of using your retirement funds (IRAs, Annuities, etc.) to pay medical bills.

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