Imee Janice SDon't file for bankruptcy as the desturction to your credit causes more stress in the end. Remember, the hospital or doctor you owe money too doesn't want you to file for bankruptcy because then they get nothing so make sure you use all your resources first before doing. I almost did file for bankruptcy but decided to try all options before giving in. I used medicaldebthelp.com. I used their free services to get started and what they did was reduce my debt by 40% (did not damage my credit) and got me on a payment plan and even fended off the collection agencies. I know how you feel. I was stressed like that too. They have a lot of good articles and advice for negotiating but their free consultation was great. They can also help with the credit cards too. I called around for a while as well to different companies and I found they were the best in dealing with medical debt. They have great links to, to medicaid and children's free state health insurance links too. To make a long story short, my husband had mounting credit card debt and medical debt from Lyme Disease and other complications from it that led us to unmanageable debt. Give them a shot as you have nothing to lose. I am sure though there are other companies out there you can use but I had a good experience with them.