He incurred expenses related to treatments that were not covered by his insurance.
He tried everything to save her man, it's not hospital bills that are the issue - it's his credit cards that he maxed out trying everything.
Discussion
Tell him to file bankruptcy, save your car, save your house, you’re allowed to hold onto some assets. If he doesn’t have any assets, a simple chapter 7 could be less than $2000 in fees. I used to work at a bankruptcy law firm. It’s actually quite easy to let the fiat system fuck itself.