That could be my story this year. My insurer (PPO) has paid little of the hospital and surgical costs for my hip revision surgery, so the bills are coming in while I owe $2100 in prop. taxes this month. It's hard to see a way out of this unless it takes longer for providers to settle these things than I thought. Indeed, I still have not gotten a bill from the hospital, but a statement listed $55,000 in items, which is far more than I expected, and the PPO has only paid $6,000 so far. Then yesterday a bill from the orthopedist came and it lists $12,000 but acknowledges less than the PPO's reports say they have paid. Even in a best case scenario it's hard to see how I am going to keep my house, which is the one I grew up in and bought out 3 others for when our mom died. In the meantime, in the last year and a half, the value of my stock holdings has been slashed about 55% and the house's appraisal has gone down $5000. Maybe I know far less than many about these things, But has anyone else been through this? Is bankruptcy better than selling your house (on which I owe nothing)? As for medical offices and hospitals, how long before they stop dealing with insurers, believing they gotten all they will get from them, and come after you with threats? Can reasonable payment plans usually be worked out? I need to ask this, I suppose, because I have always stayed out of debt until quite recently. I have only owned 6 cars in my life (4 of them bought new), and my present one is the first I did not pay cash for. My changes of fortune, both healthwise and financially, are deplorable, and I seem to be 'losing it' in trying to deal with it all.