That Bankruptcy and Forclosures be wiped clean from credit reports after 2 years if due to medical reasons.

This would help numerous Americans both of Democratic and Republican Parties that have came under hardships due to a medical illness or a serious injury that resulted in a financial hardships. If these people had to claim bankruptcy or had to have there home foreclosed on due to this hardship we fill that the bankruptcy and/or foreclosures should be wiped clean of credit reports and not affect credit score after 2 years. This will help these people restart there lives quicker after there medical misfortune.