Business ProfileforSouthern Oregon Credit Service Inc dba Collect Northwest

Around 2012, I had surgery at Oregon Ear Nose and Throat for a lump in the back of my neck and a deviated septum. I paid over a 1000 up front and insurance was billed. In 2014, I moved back home on the east coast. I had no idea that this money was owed to them. When I was in Oregon, I was in an abusive relationship and relocated. After that, I did not receive mail. I was living in ************** at the time of the judgement and had no idea that it occurred. They are all individually small medical debts owed. This is not a situation of me skipping out on a debt. I thought my insurance covered my surgery. H.R.2537 - Consumer Protection for Medical Debt Collections Act states A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency (1) medical debt arising from a medically necessary procedure, or (2) other medical debt less than a year old.A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports.Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.I have tried to contact this creditor several times and they have given me 3 different amounts due for the same bill. I have made very reasonable negotiations and they refused. I also asked for something in writing that states the amount negotiated for payment and they refuse. Some people have had the issue where they agree on the settlement and the business goes back on it so I wanted to be safe. They said that they would not even provide me a receipt. This has been a nightmare. I would like a fair negotiated settlement and this removed from my credit report.