<prompt> Human: A few months ago, I went to physical therapy and halfway through my 8 week stay, the clinic was bought by a different company who more than doubled the cost of my treatment after explicitly telling me that wouldnt happen. I found out after my 8 weeks was up and after some back and forth, we agreed on a lesser amount somewhere in the difference and signed a document waiving the remaining balance. Naturally I didnt get a copy. Now, over 2 months later, I get a bill from them requesting the remaining balance. Im gonna give them a call when I can, but I simply refuse to pay this bill.My credit: 700. It was higher, but I took out some loans to buy furniture. I anticipate itll rebound to 750, ignoring this medical bill. The furniture loans are the only loans I have. Im debt free in all other ways. I may buy a new car in a few years, but Ill be able to afford cash down by then. The only way I foresee a credit ding affecting me is in finding a new apartment.tl;dr Shady billing practices from a medical group. I refuse to bend over and take it, but sticking it to them may hurt a credit score I dont use. What can I expect?EDIT: I should clarify. Its not that I CANT pay I could settle it in full right now. I just dont WANT to, since my payment was already settled. Theyre double billing me.EDIT: Called their main office, and it was apparently the individual clinic forgot to file the payment waiver I signed with their parent company. So no so much maliciousness as incompetence. Anywho, happy ending.  <response>: Fight it, but dont let it go unpaid. This will hurt you for a very long time if it goes to collections. Youll have a 5-600 score for several years after which it will begin to rise. It will take 7 years for the effects of this bill to go away entirely, and even that can extend further due to mistakes or shady collection practices. Not worth it. 