The worst for me was also a medical bill. Months after I'd been to a clinic I received an overdue bill. I called the insurance company and was told the clinic hadn't given the correct information. I called the clinic again and they told me they would clear it up. A month later, I would get a more urgent bill from the clinic, and I'd call the insurance company again, and then the clinic again. This went on for eight months and, although it didn't end up with a collection agency, it certainly came near. Finally I got someone at the insurance company who was willing to give me more information than anyone else. She said the problem was that the bill was for a mammogram and the code the clinic was using had nothing to do with breasts! I enlightened the clinic and the bills stopped. Now why couldn't they have talked to each other and figured this out?!