I am onSocial Security and can not afford the 20% that Medicare does not pay. I am under 65 and therefore I can not buy a Medicare Supplement with a discount. I live in North Carolina.
Bills that you owe on the day you file can be discharged, but bankruptcy will not help with bills you incur after filing. Some past-due income taxes can be discharged, but giving an accurate answer tailored to your situation is EXTREMELY complicated. You need to consult a lawyer who has expertise both in bankruptcy and in tax law to get even an approximate answer to that question. One of the best in your area is Max Gardner in Shelby.
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You list all debts and all assets when you file. Your medical bills are dischargeable. The taxes are a different issue and it depends on how old they are and when the IRS assessed them as well as what kind of taxes they are. Speak with an bankruptcy attorney on the taxes and have the sheet showing how much you owe the IRS and for what years.
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Chapter 7 Bankruptcy Attorney
Although many people can file Chapter 7, the more important question is whether or not you should file. Issues you should look at include 1) how much is your total debt? 2) do you have assets or other income a creditor could take if they sued you?
I have a legal guide covering the question whether you should file bankruptcy now or later, or maybe not at all. I am posting a link to my legal guides but you may have to scroll through a long list of articles & videos that may not interest you. But be patient & you will find it.
Hope this perspective helps!