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.
Your Bankruptcy Options: Chapter 7 vs. Chapter 13. There are two main forms of bankruptcy protection for individuals. Chapter 7 is designed to eliminate unsecured debts, such as credit cards, medical bills, store cards, utility bills, payday loans and other debt not tied to property.