Should I claim bankruptcy?

[idontknow]

[Cmonlottery]

From what I understand most credit scores are heavily weighted toward the last 2 years of your history. Meaning if you can get credit after BK(and maintain a good payment history) you will probably get a decent home loan 2 yrs out. Also another thing to consider is with a FICO above 600(maybe 580) you can probably get 100% financing for a home.

If the hospital bill is the only reason for fifling BK then try and work somehting out with them first. I have a friend that had an expensive hospital stay and after a few months they called up and offered to settle for half(still a lot of money but better than $30,000).