Not to pile on, but not quite 100%. Had a doctor's office send a bill to collections because "it was 90 days overdue." The problem was that they had made a mistake and it was actually new that month, and I had yet to even get the bill for it.
In the end, I got a quote from the collection agency for the amount, including their "fees" and the doctor cut me a check for the entire amount. They even paid for a credit report check.
Yes. See my post #21. I’ve amended my estimate.