About a year ago I had a procedure. Afterwards, I called the hospital three different times to check if I had a copay. They assured me I did not. Fast forward to today, I was visiting my parents and apparently I did have a copay and it has gone to collections. I hadn’t seen any letters for the bill because they sent it to my previous address. I am extremely responsible and I’m really concerned about how this might affect my credit. Nothing has appeared on my credit report from what I can see so the letter was a surprise. The amount of money I owe is really petty ($50) and I can pay it immediately but is there anyway that I can ask for a guarantee or assurance that this won’t end up on my credit report in exchange for payment? Thanks!