I'm more concerned about getting this fixed in healthcare. Recently had to get lawyers involved over a debt dispute for a bill that was never sent to insurance and that the hospital couldn't even verify because it came from a "partner" no one could contact. The chief argument against us: an agreement signed by my wife while in labor that placed all the responsibility for any bills, correct or not, on us with no recourse. I remember disputing it at the time but they insisted it was just a CYA form and they couldn't admit us without it.