This is a legitimate collection agency. The people are very nice, but I'm also reasonable. I didn't skip out on a bill, I just went to the ER last year and that is a pile of garbage. One visit and I have 12 different bills to pay, and I never received anything from this particular provider, so it's not the collection agency's fault. They have done some robocalls but when I call back I have always spoken with someone who is very nice. I imagine though, if they have the wrong number or you refuse to pay it can get annoying. It is on my credit report. I actually found it the same day they called coincidentally.