Reader Question: Medical Bill In Collections With No Warning

A reader sent in a question about a medical bill that went to collections without her knowledge:

I received a notice that I was in collections for a medical bill. I never even knew this bill had gone unpaid! I had paid all the bills I received for this procedure. I called the hospital and they told me there was nothing I could do about it. This is going to ruin my credit scores. What can I do?

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