Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.