I broke my shoulder a couple of years ago. The bill was over 15,000 dollars. The ins. company paid their portion and it left me a balance of a couple of thousand dollars. I have been making payments ever since. They will periodically call me and ask me to pay more a month. I can't pay more. They waited until I was 400 dollars from paying off the balance and turned it over to a collections agency. It will now be on my credit report. I am furious.