I have about 36000 in debt on credit report some old some new mostly medical what is my best option do a bankruptcy,invalidation

It is legal for medical debts to be sold to collection agencies. You should start by getting a consultation with a reputable bankruptcy attorney who can advise you whether filing bankruptcy is even a good idea for you - there are many factors to consider. Use the Find A Lawyer tab on this website.

First the medical care providers can send your account to collections. They are not sending your medical records they are sending the bills for collection. Second, if you want to know whether bankruptcy is your best option you need to have a thorough evaluation of your finances with a bankruptcy attorney. A good attorney will go through your assets, liabilities, debts and assets and help you decide what is best in your circumstances. Most attorneys offer a free initial consultation, so it would be a good idea for you to take the time and arrange one of those.

Yes, it's legal for medical debts to be sent to collection, they are not transferring your health records merely info about the debt. If you are considering a loan ask yourself how long it will reasonably take to payoff the loan and whether you are able to do so. It sounds like bankruptcy might be your best option but you really need to consult with local bankruptcy counsel as there are a lot of factors that go into the decision.

Your health care providers can sell or assign the debt to third party collectors. The third parties can also sell them. You may be best speaking with a qualified bankrupts y attorney in your area. A good attorney will look at your finances and honestly let you know what is best for you.