Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.