<prompt> Human: We dont really have a lot of debt, but we do have some minor probably less than 2k but I dont know exactly medical debts. Which my wife pretty well ignores because those dont count. That doesnt seem logical to me, but she worked as a loan officer for a credit union a few years ago so I feel like her experience trumps my logic. Also, it is a lot less anxiety to believe her than worry about them.Still, if you can just ignore medical debt, then logically no one would ever go bankrupt over it, yet that is the number one cause of bankruptcy.So what is the deal with medical debt? Im concerned I dont understand well enough and that I may not be prioritizing it correctly.  <response>: Medical debt counts and you can screw up your short to medium term credit by not paying it which is silly considering how small it is.It turns out that experience does not trump logic :P 