We’re asking readers to go back for just a second here, to 2015.

If you were asked what might have been specifically targeted for nearly $10,000 of your hard-earned cash that year, would something readily come to mind?

Your annual mortgage payments, perhaps? Maybe the price for the car you’re currently driving? College tuition for a child?

How about medical care outlays? That is the actual — and admittedly depressing — answer provided by federal health care evaluators, who note a bit more specifically that the “average” American doled out $9,990 that year on health care-related spending.

Do you think that such a pricey outlay — flatly exorbitant for many individuals and families in Arkansas and everywhere else across the country, to be sure — might breed sobering financial challenges and even push some people to the brink of absolute financial ruin?

It is certainly distressing to note, as does a recent media focus on care costs, that Americans “spend more on healthcare per capita than any other nation.”

And not by a marginal degree. According to the World Health Organization, we dole out about 10 times the global average.

Here’s another question: How many among us are multimillionaires, easily able to spend whatever is asked for medical care without giving it a second thought.

Truth be told (and as virtually every reader of our bankruptcy blog at the Little Rock law firm of Robertson, Oswalt, Nony & Associates well knows), the prohibitively high costs of medical care in the U.S. yield severe debt challenges for many millions of Americans.

As dismal as that is, individuals and families deeply mired in debt and looking for answers should take heart from knowing that financial woes can be proactively tackled and overcome through long-recognized legal processes that won’t break the family bank.

An experienced debt-relief attorney can answer questions and provide relevant information concerning strategies for regaining financial traction and justifiable hope for the future.