<prompt> Human: Hello reddit, Im 25 years old and I didnt have insurance for 9 months. During that window I had an aneurysm, blood clots and a collapsed lung. Im better now, but Ive been hit with countless medical bills from different hospitals, doctors, EMS services totalling around 250,000. I applied for financial assistance and charity with the hospital but it didnt seem to work. I was recovering and before I knew it I was getting letters that Id be sent to collections. I make maybe 12,000 a year and I have no assets but I do have a credit card with around 750 credit score. What do I do?Assistant: File bankruptcy after youre sure youre better and will not need extra care. Also, get health insurance. Human: I have health insurance now, does filing bankruptcy cost money and will they take away my credit cards? Its pretty depressing as Ive always paid everything on time and then a random act destroys me for 7 years  <response>: It costs between 135-310 to file. Youll need an attorneys assistance, so you can either look at entities like Legal Aid to try to get free legal representation or you can see what theyll charge to represent you. It will likely be in the 3,000 range. You cannot have credit cards. Debt isnt a blessing and if this has been dragging on for 7 years and the hospital is unwilling to work with you on the debt, youre out of options. 