<prompt> Human: As the title says. My brother accrued 65k in medical debt while on 2 types of insurance. This was about 2 years ago, both insurances refuse to pay it and neither my brother nor my mom can afford that amount. Would it be wise for him to file bankruptcy? He has no assets and no real income still in school.The hospital was willing to decrease the debt to 35k but that payment plan was unfriendly and still beyond my mom and brother. Just stressed and looking for some input from you wise people!  <response>: There should be a department within your state government that oversees insurers. Your brother should reach out to them before pursuing bankruptcy. 