Let’s talk about something real—medical debt is one of the top reasons people file for bankruptcy. And it’s not just people without insurance. It’s folks who got hit with unexpected emergencies, out-of-network bills, high deductibles, or ongoing treatments that insurance barely touches. Nobody plans to get sick. Nobody chooses to go into debt to survive. Filing for Chapter 7 isn’t giving up—it’s choosing a path to rebuild when the system made it impossible to keep up. If you’re drowning in medic
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