Medical debt is very low recourse. If you don't pay your electric bill they shut the power off, they won't unamputate your leg if you fail to pay. If you don't

Medical debt is very low recourse. If you don't pay your electric bill they shut the power off, they won't unamputate your leg if you fail to pay. If you don't have substantial assets, taking the credit hit is the better choice. I can't envision a situation where it makes sense to trade low recourse medical debt for high recourse credit card debt.