<prompt> Human: Ive insurance. My son is covered by Medicaid but Ive private insurance for myself. I make just over 30K a year by after deductions for dental which Medicaid doesnt cover and I have a family plan for and medical, I take home about 25K a year after taxes. Im a single parent. I get sporadic child support at 400 a month if I get it. About two years ago, while insured, I got sick. My deductible is 1500. My son to sick last year before we got Medicaid and that was another 1500. I was unable to pay at the time apart from a 10 or 30 a month here and there. I also had a stay in patient for post partum depression that I found out after was no covered under my insurance. They want 9000. This year I found out a couple of collection agency are suing me for twice the amount it includes legal fees.I applied to relief and was denied by the original creditor. I asked the lawyers if they were willing to settle but it is well above a reasonable amount I can pay off in a reasonable amount of time. I met with a bankruptcy lawyer who said it would 1200 upfront for legal fees. But I found I could do it pro se in my state and there might be resources. It is only medical debt. I have a credit card in good standing that gets paid off. I own my car outright. I rent, of course. I am really not sure how to pay this. I am unlikely to be judgement proof. If I get a judgment I wont be able to afford it. Is bankruptcy my option here?  <response>: Youll get a lot off hate on her for even saying bankruptcy. I filed one a year ago for the exact same reason. Had like 30 in medical debt and I was being sued by two of em and garnished. I had a friend file mine. I only paid 100. You dont need a lawyer its pretty easy if you dont own anything or have some crazy shit going on. 