If you declare bankruptcy, which cover medical expenses?

Two months ago while driving home from work, lost control of my car (Brakes, where performance is not correct) and rolled my car four times out of the road. I went to the hospital discovered that he fractured a vertebra, was sent home in collar to heal on its own initiative. (It costs about 15,000) I returned the doctor to see if she was healed, and now that I am not a surgery that could cost about 200,000. Usually Auto insurance pay anything, nor do I have any health insurance, also tryed local aggencies and have had no luck through this. Thus, after surgery you can declare bankruptcy and to cover all medical expenses? Also what are the pros and cons and what would this I? (I do not work because the accident did not have money to afford a lawyer) Thanks for any / all advice in advance.

You must be careful here. Creditors (Including doctors) who are exposed, with no intention to pay (for example, are going to declare bankruptcy instead of paying the debt) are fraudulent and not be excluded. The original $ 15,000 should not pose a problem because they do not enter without the intention to pay (not consciously decide to have an accident with the intention to declare bankruptcy after being treated at the hospital). However, the new surgery is another story. You still have not incurred this debt, and I wonder if you can stand it, then file bankruptcy to pay. That, unfortunately, would constitute fraud in the bankruptcy (and is not disposable). I know you're thinking: "Well, What I can do? "Contact a personal injury lawyer is probably a good start. Can there was some negligence here (manufacturer of the brakes? mechanic who installed?) than yours that could be partly responsible. You do not need money to contact a personal injury lawyer. They offer a consultation free initial and many take the case on a contingency basis (you only get paid if you win), if they believe the case has merit and can not be won. Why not pay by insurance? Unless you really do not have insurance, is unclear. If your doctor recommends surgery $ 200,000, have a frank discussion with your doctor about how to pay for her. It could be that there are possible sources of funding that do not know, but when the doctor may be able to direct you (or perhaps a worker social – many hospitals and clinics have a staff social worker whose job is to help poor people who need to connect to a medical treatment funding sources to help pay for it). If nothing else, see if you can find friends or relatives who are willing to raise funds for these expenses. If you have the intention of finding a way to pay for the surgery, but the means to pay for it passes through fall, be ruled out in case of bankruptcy. But you can not incur in debt with the intention of meeting failed even before you incur.

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