If you didn’t qualify for Chapter 7 bankruptcy because of your income or you chose to develop a three- to five-year payment plan to reorganize your debts, you can still handle your medical bills through bankruptcy. You will add your medical bills, credit cards, and other debt to your payment plan. You will make payments on those debts for the duration of your payment plan. If you have an amount left over after you complete your payment plan, you may be able to discharge that amount.