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And then there's those of us who have non-existent debt sold on to these people.

About 12 years ago, I started getting letters from a debt agency about a medical bill that I did not owe. Letters that I forwarded to the insurance company.

Then the phone calls started, with people trying to convince me to pay a bill I didn't owe.

It took about 9 months to get it sorted out. What had happened is that the doctor had improperly billed the insurance, for a fee they had already billed for, and the insurance refused to pay it.

The doctor's office sent it to collections. And the collections agency would only stop harassing me if I got the doctors office to call them and admit they had billed incorrectly.

That was not fun.



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