Puuuuhhhlleeezzzeee. My wife became disabled after a car accident. Previously we had been putting away 10% in retirement/investments and had no credit cards bills.
Replacing her income on my own AND paying the unbelievable medical bills (copays etc) has simply been impossible.
I took a second job, we moved to a smaller home, I drive an 8 year old car. The ends still don't meet. I'll NEVER file bankruptcy but I'll bet alot of people in our situation would.
You holier than thou folks should walk in my shoes for awhile.
I'm sorry you took my comments personally.
If you read our discussion again, you will see that we allowed for circumstances like yours...and were very sympathetic.
Our comments were aimed at the report that implied over half of bankruptcies are due to medical bills. I'd bet the vast majority of them were not like you (i.e. admirable and responsible). Most of them were probably saddled with high debt before the "rainy day" set in.
We never implied that ALL situations fit that description. I hope good fortune comes your way to help alleviate the burden. I have all the respect in the world for someone working so hard to pay their bills. Good luck to you.