<prompt> Human: Long story short, I racked up 100-200K in medical debt this past fall. I was eligible for medicaid so I got on it as soon as possible, but not before multiple 10 trips to the ER where Unfortunately I didnt have medical insurance when my seizures started. Even with hospital charity care I now have MASSIVE amounts of medical debt somewhere between 100-200 thousand dollars. I basically was in and out of the ER ever day for almost 2 weeks.Im now in a position where I just got a great job with a lot of potential and should provide some financial stability. Im 30, only a couple years out of school, I have about 70K in student loans. Currently I have bad credit no credit. Ive never had a credit card, the only thing I ever financed was a car. I dont know what my credit rating is, but its definitely not strong. Should I consider filing bankruptcy? Where do I even begin in making this decision? Any advice would be appreciated, thank you!Also, I have no savings, no stocks or property. Im pretty broke. I still have that car, but its not even on the road and worth less than 3K. I also wont need it as Im moving to a major US city with good public trans.edit: Thank you all for taking the time to reply to this. Ill probably be talking to an attorney once I find housing and things settle down a bit. Thanks again!  <response>: If you are not being sued or garnished, you dont need to file yet. 100k of medical debt can usually be settled for very little. I would keep that bk in your back pocket. 