You had an emergency hospital visit but never got a bill until a $30,000 collections notice shows up. Don’t panic. Confirm the debt. Ask the collection agency for a debt validation letter. You have the legal right to do this. Request it in writing within 30 days after you receive this bill in the mail. Collections must pause until they respond. Check your insurance. Call the hospital billing office and ask if they billed your health insurance carrier. Often, they don’t have your insurance information. That happened in my client’s case. $30,000 dropped to zero once the right information was sent. You have a problem? Call me.