I filed for bankruptcy about 10 years ago due to a family member's medical bills. Funny, a year afterwards, when establishing credit again, all the financial institutions were like "yep, no problem, it happens".
24 months later, credit was back to normal-ish, bought new car, financed new home, and no medical debt.
24 months later, credit was back to normal-ish, bought new car, financed new home, and no medical debt.