<prompt> Human: A immediate family member is facing 400K in medical debts due to a long term hospitalization of his wife. She lived but is now a shell of her former self. He appreciates the work the countless medical professionals did to keep his wife alive but now is facing a choice:1. Empty out 9037; of his retirement accounts to pay for the medical bills because he always believed if money is owned for a service or products, it should be paid. These doctors and hospital staff did save his wifes life.2. Declare bankruptcy and pay just a small amount of his medical debt and save his retirement funds due to the law that retirement funds are protected legally in most cases from bankruptcy.The debt amount is final after insurance paid its share, and he worked for six months on a variety of appeals to the health insurance provider and doctors, etc.The huge amount was the result of balanced billing of the many out of network doctors who took care of his wife in a in network hospital.Your choice, if it were you at age 62?  <response>: 10037; 2. Bankruptcy is the only sensible solution here. 