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.
Because medical debt and credit card debt is unsecured debt, most people will pay only a portion of that debt through the Chapter 13 plan. In fact, many people end up paying only pennies on the dollar. If you make all plan payments, the rest of your medical debt is wiped out at the end of the repyament plan period.