Medical Bills ... phoo-ee, while second, home repairs stink too. simultaneously two weeks ago I had a furnace and a sump pump, neither would turn off. It was nuts. I'll say medical bills are worse, 25 years ago I had some medical bills the insurance company wouldn't pay, $20,000; fortunately, I was able to negotiate with my doctor down to $5000, but that was a lot of money for me at the time.
Maybe if you talk with the doctor you can negotiate it? What I did was pay him $200 a month while I was fighting with the insurance company. he knew I was doing what I could and took pity on me. Thank God!