<prompt> Human: Short story.2 years ago i went to an eye doctor several times because i had some serious vision issues due to things like allergies and infections. The doctor was completely incompetent and did nothing at all to help other than prescribe extremely expensive eye drops. My last visit to him he barely looked at my eyes, said they looked great when they were swollen, puffy and red and charged me 12.I walked out of the office. It has been 2 years now and they just called me saying they will be sending the 12 to collections. My credit score is around 807. How badly will this affect me?  <response>: The real question is why wouldnt you just pay 12? Otherwise your credit score is going to drop and you could be charged a lot more. 