im not denying your number of bankruptcies I'm saying more times than not but not all that it could be worked out. Some don't want to part with their lifestyle to pay medical costs. I've seen it too many times. I think you would agree bankruptcies are a necessary evil in some cases but having said that it's too easy to file. Believe it was discussed a week or so ago. I feel no ill will for someone that's filed but only after all other options have been tried.