Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What is the best way to manage unmanageable medical debt? - My boyfriend broke his back and now has $45,000 in medical debt. The hospital and ambulancehelicopter companies told him there was no minimum payment and no interest. So we thought we would be paying for the rest of our lives, but we didn't think it would kill us. Today he got two bills that explained there is a minimum and for one bill the minimum is $400 a month. We are expecting that we will need to be paying at least 1,000 or more a month, which will be very very hard. Who should I talk to to understand my options. My boyfriend is assuming he needs to file for bankruptcy. But I really don't know if that is the best option. Please help. We live in Minnesota if you have any state specific advice (accident occurred in Kentucky).