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.
Now, the first question is to determine if you can file Chapter 7 or Chapter 13 bankruptcy. Chapter 7 bankruptcy will allow you to discharge your medical bills or medical debts immediately, but some of your assets, those not exempted by your state, can be sold and the proceeds used to repay your creditors. If you have assets you would like to keep Chapter 7 may not be right for you.