<prompt> Human: Im 22 years old and I just graduated from college. I made a stupid decision as a freshmen in college and it ended with me waking up in a hospital. A few months latter I received an insurance bill detailing the expenses. The bill from the insurance company covered the bulk of the costs and I only had to pay 100 out of pocket. Now fast forward 3.5 years and I receive a notice from a collection agency for the amount of 2,263. It turns out the people I were with called in an ambulance to take me to the hospital. I called the paramedic company who filed the collection claim against me and told them that I had insurance at the time of event which would of covered up to 70 of the costs. They told me that they were unable to collect any of my personal information even though the hospital was able to do so, and instead sent the debt to a collection agency without my knowledge. Ive been speaking to one their representatives and it seems to me that they never filed a report with my insurance company. What actions should I take?  <response>: I would first ask the collection agency for proof of the debt in writing and see what happens. Since they did transport you, you legitimately owe it, but why did you never get a bill? You might be able to dispute it with the individual credit agencies on that basis.However if you dont pay it should drop off your credit after 7 years, unless you start making payments on it. 