<prompt> Human: Im 25 and have only 5k in student loans, 4K in credit card debt and have very good credit. Im on medical deferment from my university, but not on disability, even though I qualify. I dont have assets besides 4k in stock in a trust. Im living in MD with family. I make only about 15 in ebay sales a month.The medivac company itself operates like a collection agency and is aggressive, in that I had their bill waiting when I got home from the hospital, daily calls and now a few months later Im just getting bills from the hospital and ground ambulance service. I was advised to say bill me all you want, I dont have income.. I thought this was foolish as their contract states they will send it to a collection agency or sue me and this will only expedite that process. I cant imagine having a BK on my record. Even a lengthy payment plan would still be too much. : What should I do?Thank you in advance!  <response>: Has no one told you about the FCRA? All you have to do is write them a letter, send it certified mail return receipt, and tell them all contact must be done via writing and sent via mail.They legally cannot phone you after that. If they do, even once, you can sue them in court and win. There are plenty of documents online to show you how incredibly profitable and easy it is to do so. 