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Thanks for your input diy4law! If I thought for a second that not paying the bill would have affected my credit, I would have paid it immediately. I got some BAD information instructing me they can not do that in the state of PA. Now, of course, I am kicking myself. Luckily it was only resported...

Thank you for your response, but that is one problem I have. I would have submitted that information if I had it. I was told back then in 2004 by an Attorney that it was illegal to damage a person's credit IN THE STATE OF PA for unpaid medical bills, so I thought it was a dead issue. DOES ANYONE...

Firstly, I thought it was illegal (At least in the state of PA) to damage a persons Credit for issues related to Medical Bills. In 2004 I went to the emergency room. My insurance card showed my financial obligation for an Emergency Room Visit was $50.00. I paid my $50.00 obligation. After the...