<prompt> Human: I have close to 200,000 in medical debt. I own a home but no other significant assets. I plan to file bankruptcy. I contacted the hospital to negotiate a payment plan and they offered to cut it down to 24,000, but thats still a ton of money for me. I only make 30k a year. I wont lose my home in the bankruptcy, but my credit has went from upper 700s to low 500s. Whats the best way to begin repairing the damage?How long will it take?My wife has a 740 credit rating, are there any tricks to use her credit to fix mine with out hurting hers?  <response>: You are insolvent. This is exactly what chapter 7 bankruptcy is for. If you are in a state with strong homestead laws your house will be just fine. Dont worry about credit right now, that is the last thing you need. 