Traits are aspects of a character's personality, background, or physique that make him better at some activities and worse at others. In many ways, traits resemble feats: A character can have only a limited number of traits, and each trait provides some benefit.
You need to know that you can discharge medical bills in bankruptcy. Even if you have the best health insurance coverage possible an illness or serious injury means lost time from work, co-pays, deductibles, and other strains on your limited financial resources.
And, yes, you heard that right, unpaid medical bills can wind up affecting your credit scores. Doctors or hospitals donât usually report debts to credit reporting agencies. Instead, they turn their unpaid bills over to a debt collector, and it is the collection agency that reports them. The damage done by medical collections can be significant. In fact, just one collection account can cause a good credit score to drop 50 to 100 points.