<prompt> Human: We have been going through IVF to have a child in IL. We already met our in-network out of pocket expense. She went to surgery at a place she thought was in network, but turns out was not. We now owe 25,000 for a surgery and we already have 12000 in credit card from previous year of IVF. We both make 20,000 each per year and we just bought a house that we will struggle to make mortgagetaxinsurance payments on every month. We have no savings, but our credit scores are 746 and 801 respectively. I am fighting the insurance company but will probably loose. If we are responsible for the debt, should we file bankruptcy? Should I divorce her on paper, have her live with her mom, have her file bankruptcy, and I take over the house? Just not pay the medical bill?I have never been in debt before and the IVF was already pushing us to the max. Now the debt has more than doubled overnight. EDIT: minor edit  <response>: You should get control of your debts before trying to have a baby : If youre really struggling that bad to make your housing payments, how are you going to handle all the expenses that come with having a baby?Look into getting better paying jobs. Ask for a raise, express your interest in moving up in your companies, etc. You need to increase your income, pay off the credit cards, set up a payment plan for your medical bills, and in general get your finances under control. I know you want a baby but you would be doing your future child a great service by making these changes now. 