Final answer:
Chapter 13 bankruptcy enables patients to pay bills over time and provides protection from bill collectors.
Step-by-step explanation:
The type of bankruptcy that enables patients to pay bills over a period of time and where patients are protected from bill collectors is called Chapter 13 bankruptcy. In Chapter 13 bankruptcy, individuals create a repayment plan to pay off their debts over a three to five-year period. This allows them to keep their assets while still making regular payments to creditors.