A few questions. When did you and your husband last file bankruptcy? A chapter 7 or chapter 13 bankruptcy?
If you filed a chapter 7, did you have to pay creditors anything, or was it a "no asset" case?
Tim L Eblen
How much is your total debt? Do you expect to continue to run up medical debts? Have any of your creditor's sued you & obtained a court judgment. Is any of either your income or your property vulnerable to being seized by creditors under state laws called exemptions? And finally, can you afford to pay off your debts? Hope this perspective helps!
Generally you can only get one Chapter 7 discharge every 8 years after the prior Chapter 7 and you also have to wait after a Chapter 7 or 13 to file another Chapter 13 and get the discharge. So this may not even be possible. However a Chapter 13 is great for medical debts because the debts can continue to mount while you have a condition to keep them from selling a home or attaching assets then later in the case the case can be converted to a Chapter 7 or dismissed and refilled as a 7 or 13 to get the discharge after the time has run and you have completely reached maximum medical recovery.
DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. No attorney-client relationship is created by this message. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area. I am a Federally Designated Debt Relief Agency under the United States Bankruptcy Code. I proudly help people in financial need file bankruptcy cases. IRS CIRCULAR 230 NOTICE: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication (or in any attachment) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed in this communication (or in any attachment).