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I agree with the Bk attorney with the limited info you posted so far. My concern would be this: what if heath situations crop up again in the short term? In other words, with a Ch 7 you can't file a Ch 7 again for the next 4 years IIRC. Are the triplets out of the woods yet with their health? Hospital bills quickly go to outrageous even with one person, no less three. If your children are healthy, then seriously consider a Bk. Congrats on all of your children! And I sincerely hope they are healthy and happy
It's really hard to gauge how much you owe. We get the back story. Sorry about the expenses there.
Can you list your debts? List each credit card, the 20K for the hospital, and if you owe a car note?
When your total dischargable debt reaches or exceeds your annual gross income, that usually makes it an obvious choice to file.
I suspect if you paid the hospital $200/month, they wouldn't file suit. Getting some money is better than no money from their perspective.
If your salary is 5K a month, you really can't handle more than 2.5K/month (50%) including your 1000 rent. So that would leave $1500 maximum for debt payments including car payment. If you use 40% total debt since you have so many kids, and income is 5K that means 2K a month total including rent, so 1K a month for debt payments, including car note.
You will have no trouble qualifying for a chapter 7, but as the other poster noted, if you use up your chapter 7 and the kids have more health issues, you are in a pickle. You can only file every 8 years.
I feel your pain. I too would definitely look at a Ch7 That would immediately ease a lot of your pain. If that is your plan, you might as well stop paying anything other than your monthly expenses now. I'm also not sure about purchasing a car right before you file. Does anyone know how that will look to the trustee? Whatever you decide, good luck to you!