<prompt> Human: I was at the Dr. for fatigue. Russian outfit, never dealt with them before sketchy, I know. They asked me if I wanted an STD test. Said I never cheated on my wife and know she didnt cheat on me. Told to pee in a cup. Now the lab is sending me this insane bill and claiming they tried to bill my insurer. Anything I can do to fight it? Dont want this on my credit report, but certainly not going to pay them their ridiculously inflated fees. My experience leads me to the strong suspicion that Russian dr and lab are colluding for exactly this kind of scam.  <response>: Get a copy of your entire all your records from this office including any consent forms signed by you regarding insurance or covering charges not paid by insurance. If you signed something agreeing to cover your portion of the billed charges to your health insurance then its your bill...even if they are out of network.Now it is shady they did not verify your insurance and let you know this up front. If you have something in writing of them telling you they were in network then your side could probably uphold in court. Or take your chances and dont make a payment for two years and they legally cant sue you according to statute in my state. However, a judgement could and lien could be filed in that time frame. As for your credit, it depends who they report to but ours is reported by the credit bureaus. Hope this helps.-Managerwork personal injury cases at clinic 