<prompt> Human: So, insurance shafted me and I wasnt covered the one day I needed hospitalization for reasons that shall remain unnamed. I have a job I just started, but have absolutely no way to pay 15,000 and I was wondering if it would be better to see if they would lower it on a sliding scale and make payments or should I just file for bankruptcy as I have no assets, no car, no anything anyways? I know that theyll be putting it into a collection agency soon and Ill be moving away in 2 weeks from my current address, out of the county. If I ignore it will I be forced to file for bankruptcy? And if I have to file for bankruptcy, would there be any other ramifications aside from poor credit for someone with no assets?  <response>: Consumer bk attorney here. Check your local state laws regarding charity pay. Many states require healthcare providers to eat a huge percentage of the bill for people with very low incomes. You might be pleasantly surprised. If that doesnt work, check with a local bk attorney to consider filing chapter 7. You only get one ch7 discharge every 8 years, so I wouldnt use it lightly, but depending on your income and future plans, it might make sense. The other alternative is to wait for them to sue because they might not, and the statute on the bill could run out, and then file, but the downside of that is that you are burning time you could have used towards another future discharge by waiting. TLDR; Check local laws on discounts for low income people, then consult a bankruptcy attorney. 