<prompt> Human: Hi PF, Im on mobile in a rush so I apologize for spelling and format errors.My girlfriend received a medical bill for 4k and submitted it to her insurance company. They deemed the bill above what was reasonable for that type of bill in our area. After some back and forth they only agreed to pay 250 of the bill, and drafted her an email to send to the medical group stating that by accepting the payment, she was no longer liable for the remainder of the bill. They continued to send her bills and she was told to ignore them by the insurance company. We have this all well documented. Now shes being sent to collections and Im concerned this will tank our credit score. What can we do to prevent the hit to our credit since we were just doing what we were told by the insurance company? Im in Illinois if that info helps. Ill do my best to come back and add details after work, but Im a bit rushed now.nbsp;Edit: the situation described by uImSpartacus811 described is whats happening here. My girlfriend just told me that her insurance company doesnt have a network. She supposedly has a legal company working on her behalf, but were completely in the dark about whats going on between them and the collection agency. Ill be back with further details.nbsp;Edit2: After speaking to my girlfriend, I found out that the medical group did in fact accept the insurance companys payment, so it seems from a legal standpoint we should be covered. HR escalated the issue to the owners of the company and theyre furious. Apparently this is not the first time this has happened within the company. Well still be documenting any and all correspondence as a backup, but I feel much better about the situation than I did this morning. Thanks again to everyone who offered up advice. People willing to jump in and offer different points of view is why I love this sub.Assistant: I appreciate the feedback everyone, and any more advice would be greatly appreciated. Apparently her HR department is talking with the insurance company. When my girlfriend and I get off of work, Ill piece together all the info we have and pass it along for further clarification. Ill also make a cross post to legal advice to see what their input is. I really cant thank you guys enough for the help!  <response>: Dont look for legal advice on the internet. Contact your local bar association and ask for a list of lawyers who deal with insurance coverage. 