My Brother broke his collar bone years ago, and the doctor told him they needed to put him out for a rebreak and reset but when he got the bill there were bills from two other doctors also (almost 4 times what the cost was supposed to be)
It listed their charges as "consultation" and my Brother told them if the doctor didn't know what he was doing and needed the help of two other doctors he shouldn't have taken the job.
He wouldn't pay the extra charges for consultation and they told him they were going to turn it over to collections.
Well, he told them to F off, they sent it to collections and a couple of years back it finally cleared from his credit.
It was the principal, and he just wasn't going to go along with it even if it did go on his credit report.