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kingpepper

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should i file for bankruptcy i have many med. bills do you have to claim that as income

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Consider all other options, please.

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Bankruptcy should be the absolute last option in resolving a debt problem, and might be used only if you have a lot to lose by not filing. Medical bills are "unsecured" debts because there is nothing tangible that could be "repossessed" to sell to recoup the money. 

One possible aid is with the medical facility, since many do have a financial assistance program and bill on a sliding scale based on income.  They just don't broadcast this information.  I've seen that with friends health issues.  You have to ask.  If they don't do so, maybe you can figure out a payment plan that YOU can afford and make payments that way.

Bills do not get classified as income.  They're a debt.  Many people have high medical debt due to the increased cost of medical care and many potential creditors acknowledge this and do not put much weight on medical bills when deciding to grant credit. 

Unpaid bills may cause a "ding" in your credit score for 7 years but a bankruptcy will bite for 10 years.  Please give this serious consideration, even speaking to a bankruptcy attorney before moving ahead.

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