<prompt> Human: I had a major medical emergency three years ago. I was in the hospital for months, therapy, outpatient treatment, etc. Lead to massive amounts of medical debt. Im looking at currently 200,00. I used my emergency fund to pay off some, made a few payments on some. No insurance. I talked the hospital and got some written off. Applied for income based reductions but I dont qualify. Ive looked into programs to help me pay but I cant find anything. Here are the specifics:I make 40,000 a year. - No kids- No other debt besides medical.- Didnt have insurance at the time now I do. - Attempt tostill making smaller payment on medical debt. - Previously had good credit Ive a credit card I still use and pay off every month. - Live with family no rent. The first thing I did was move in with family to help offset the price of rent so I could pay this off. - Car is 5 years old and paid off. - No smart phonecheapest prepaid phone I can find. - I still contribute to my retirement plan and savings with each paycheck 10 per paycheck currently but Id like to do more. A few of the hospitals sold my debt because I couldnt pay the minimum they wanted it was a ridiculously high amount so I have four collections. Ive talked to them. They wont discuss with me lowering it to an amount that I can realistically pay off. Bill are just:- Car insurance- health insurance- prepaid phone - Food- I chip in for my roomboard when I canthey need it.- I commute to work no bus about 45 minutes away so I spend about 70 or a week on gas. - I have ongoing problems from this medical emergency so I have to see my doctor once a month. I have coppays on visits and medication. I live as cheaply as I can and trying to throw all I can at this debt but Im barely making a dent. Ive looked into getting a second job but with where I live and my work schedule I would actually be losing money in gas for just a few extra tens a week. Tried asking for a raise. Is it time for me to declare bankruptcy. I am just so lost because I have no other debt. Credit card is paid off and in great order every month. My savings looks good but what I have wont pay off that debt and would leave me with nothing in another emergency. I just need more eyes to look at this and let me know what to do. So far, Ive managed to pay off about 30,000 between taking some from my savings and making payments and my parents helping me to pay some over the last 3 years. Note : I didnt get a paycheck for about a year because of the medical emergency. I was out of work for that whole year and recovering. I made little payments but they didnt aggressively pursue it like they are now since I was in active treatment. Also, I work just fine and am able to work so I feel bad about bankruptcy because I am working and trying to pay but I am not getting anywhere. Edit: Formatting. Sorry! Edit: If I do file for bankruptcy will anything happen to my savingsretirement?  <response>: 200K medical debt on 40K income. Yes, you should consider BK.Talk to an attorney to get more information. Once you officially decide to file BK, the automatic stay is enforced and NO collections can happen during this time. You can use the money you were paying to the bills for the lawyer fees. 