I recently just turned 18 and on a trip to the emergency room one time, my parents were not able to come so I had to sign the papers myself ( I was 17 then). The bill is in my name and my insurance has paid half of it, and I've made payments to the account several times within the past 3 months, but now I receive a letter saying that the bill has been turned over to a collection agency, yet my insurance and myself have paid on the account. I don't have credit, but will this damage my credit? And is the hospital's actions justifiable?