I was extremely angry and frustrated when I called, but I realized it wasn't their fault. It was from the ambulance that messed up and never billed my insurance. Their rep was patient and helpful, and I got my issue sent back to the ambulance agency to rebill the insurance even though it had been over a year, and their policy generally doesn't allow that. He gave me his contact information to follow up, and even went above and beyond and sent in a request to get this removed from my credit report within my upset status slipped my mind.