I know the individual physicians can and do bill separately, I guess I was just trying make it clear that they sent it into the collections before the HCAP even was processed and i could see the final bill to even attempt to make a billing arrangement on any balances and what not. It has been reported as negative information on my CR, and I have the returned letter unopened, that I sent requesting validation of the debt. I also located 2 phone numbers online and theyre not active and yelp lists them as closed. I guess my next step is to just dispute it with the bureau(s)? The agency cant val