Advice needed

[browneyes]

I have two small medical balances to two separate medical providers. I have established payment plans with them. Do I not need to include them because I am up to date and have made arrangements with them, and it's not so much a debt? (One of them is my employer. Oy.)

Help please.

[JRScott]

Medical debt is different then utilities.

Unfortunately legally you have to list the medical bills as debt on the schedules. However you can after the bankruptcy still choose to pay them off. You should check with your lawyer to double check but I'm pretty sure you have to list the medical debt.