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.
Medical Debt Collections. If you take no action to resolve your medical debt, the bill will go into collections. Medical debt collections are incredibly common; one study found that in 2010, 30 million Americans had collection actions against them for unpaid medical bills. This was up from just 22 million five years earlier.