re: $110 medical bill in collections: pay or fight?

I had a bill like this after my appendectomy in 2019. I had a payment plan set up with the billing company, and paid off the balance in 4-5 months, but there was apparently another balance on a separate account that I was sent 1 bill in the beginning, then a notice of collections a year or so later, months after the automatic payments finished.

After going round and round with the billing company and the collections agency, I just decided to say 'frick it'. Since then, I've applied for 2 car loans and a couple
of credit cards and have had no trouble getting approved.

I'm don't think that Medical Collections under $500 even go on your credit report anymore

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