If the debt is reported to your credit score it will negatively affect your score, but I cannot say it will ruin you. Why take the chance for $120.00? They performed the service. Good Luck.
If you believe that your doctor's office mislead you into believing that your expenses were covered by your insurance company and then subsequently sent you an invoice asserting that your insurer did not cover the expenses (and you're now concerned that the outstanding bill will be reported to the credit bureaus), I would do the following:
1. Call the insurance company and see whether the bill can be covered. I have successfully gotten insurance companies to reverse their decisions by covering costs that they previously refused to cover. At least discover the reason for the denail of coverage. Do not wait to do this as there may be a time by which challenges must be asserted.
2. Send a letter to your doctor's office and copy the debt collector, challenging the charge based on the information that was told to you on which you relied. Be specific in the letter.
3. See if you can order a free credit report to see whether the alleged debt was ever reported. Visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
4. If the disputed charge is reflected on the credit report and you would seek to repair your report, write to the 3 credit bureaus disputing the charge. Unless they perceive your claim to be frivolous, they will conduct an investigation. For detailed instructions, Visit the Consumer Protection Page of the Fair Trade Commission website at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm . Additionally, the telephone numbers of the 3 credit bureaus are as follows:
Best of Luck, Lieber & Lieber, LLP 212-949-5586 www.lieberlegal.com
The foregoing does not constitute an attorney client relationship and is not intended to provide legal advice.