November 25, 2019 Medical Bills Are Held to Be Consumer Debts, Invoking the Means Test Someone forced into bankruptcy on account of medical bills will also be forced into chapter 13. 7th Circuit , Illinois , Illinois Central District , November 6, 2017 Debtor Can’t Reaffirm an Auto Loan by Waiving Discharge of the Debt Chief Judge Gorman requires strict adherence to Section 524(c) in reaffirming a debt. 7th Circuit , Illinois , Illinois Central District ,