I have everything...all EOBs, a record of my conversations with the doctor's office, insurance company and emails and recorded conversation with our attorney that quit. The doctor was under contract with the insurance and medicare and billed them for two followup visits in 11-12 and was paid for his services. He was greedy and did not bill the insurance for the 2 surgeries because he wanted to make more money--if he would have billed them, he would have gotten paid the insurance negotiated amount. Sure it sucks, but he agreed to do it. So, because my husband is disabled and unable to maneuver the medical billing and I have been ill, that lack of billing the insurance company slipped by me and now we are left holding the bag. We got served today and have 20 days to respond. No one from legal aid, Legal action of WI, or Marquette Law School will help us. It is so frustrating that we spent 8 years surviving and not filing BK only to get a meager settlement and then have to file. I am worried that they will take the small amount that we got and worried that they will take our home and one car. This has been a most trying day for me and I can't seem to stop crying. It is like we were hit by a car, left on the side of the road bleeding and someone comes up and picks our pockets........and we are still bleeding.