<prompt> Human: If your original creditor sold your debt to a collection agency, they also wrote it off on their taxes, which wrote off your obligation to pay Then it goes into how to dispute the stuff with trans union. You claim no contract in the dispute. If this isnt a myth, can someone explain it to me? Reason Im asking, I have some medical bills in collections, but I do understand that its my responsibility to pay for them. What bothers me is I had two separate health insurances that still left me with a 250 dollar bill with the anesthesia. I tried calling them when I got the bill but I was left on hold and could not get a human in the time period I had for lunch break. So I let it go to collections just to be able to contact somebody.  <response>: What bothers me is I had two separate health insurances that still left me with a 250 dollar bill with the anesthesia. I tried calling them when I got the bill but I was left on hold and could not get a human in the time period I had for lunch break. So I let it go to collections just to be able to contact somebody. To be honest, thats not a very good defense. By doing this youve forefited your opportunity to dispute and have invited penalties and fees which can harm your credit. Debt collectors really dont give a sh!t what your excuse is, they make a living hearing them all day long and your story wont make their eyes roll any less. They are not an arbitrator for your interests.Putting that issue aside, its probably too late to call your insurance and sort this all out. Had you done this earlier, you could have obtained a clearer understanding of your policy and coverage, which you could then question if everything was coded properly by the medical facility. A lot of simple coding errors cost people money for things that should be 100 covered, or otherwise substantially reduced. Typically nobody cares to correct these types errors and so the burden, unfortunately, is solely yours. I realize this doesnt help much, but neither does asking what to do with a pile of ashes days after you saw a fire in your kitchen. 