Medical bills are one of the many factors that can lead Americans to file for bankruptcy protection. The high cost of care coupled with the rise in normal living expenses is leading some individuals to wonder how they are going to make ends meet. This is especially true when they are unable to work as they are accustomed to.

Health care costs are one of the biggest expenses in this country. Unfortunately, it doesn’t appear as though this is going to change, but there isn’t a way that many people can avoid having to pay these costs.

One option that individuals have in this situation is to file for bankruptcy. Some people think that there is a type of bankruptcy just for medical bills, but this isn’t the case. You’ll have to file either a Chapter 7 or 13 bankruptcy, which will include all of your debts. You can’t pick which ones to include because this would result in preferential treatment for some creditors.

Some individuals who opt to file for bankruptcy and have to include medical bills find out that there is an unexpected challenge that comes along with this. There is a chance that you will have to find new doctors because the ones who have bills included in the bankruptcy might opt to stop seeing you. If you’re concerned about this, discuss the matter with your doctors. They might agree to continue seeing you if pay ahead for visits.

Anyone who is considering filing for bankruptcy based on any reason, including medical bills, needs to think carefully about how they’re going to better themselves after the case. The goal is for you to have a renewed financial freedom that you can use responsibly to help you enjoy your life.