<prompt> Human: My situation: 29, single, musician, making 35-45kyr it variesCredit Score: 775Paid off student loans, credit cards paid off each month. 35k in medical debtTalked with a lawyer and it looks like I should have no problem filing chapter 7. Dont have any large assets and everything should be safe under exemptions. My question is how long would it take for me to get back to my current credit score? Or even a good score? I have no immediate plans to finance a car or a home, so it shouldnt be a huge issue, but I know plans change, so I dont want to shoot myself in the foot. Does it make more financial sense to do bankruptcy and start savingrebuilding credit or is it better to throw all that money at paying off the bill and keep my good credit score?  <response>: I think the main thing to understand is the bankruptcy BK will stay on your credit report for 10 years and there may be a variety of restrictions on filing a second time down the road. Different credit scoring models will treat that differently over time.I had two different friends file for BK in 20162017. One has just stayed off credit since the other had to replace their car and could not without a cosigner. YMMV.BK sounds like a reasonable option for you given the scale of the medical debt vs. your income and your over all responsibleness in having paid off student loans and credit cards. 