In 2005-2006 i was 2 times in this country as an exchange student for the summer each year. I paid 5000 dollars for total of 8 months to an insurance company Intrax Work and Travel was the responsible one for the agency. They were supposed to cover 100% of my medical bills. Oh well 2006 i got married and i wanted to buy a car, of course they told me that my credit report is horrible. How is that possible when i never been late on a payment even with 1 day? Of course Intrax didn't do their job. Now NCO keep sending me these letters that i owe the money.I do not know what to do. Other people are responsible for these bills and i do not want to pay 2000 dollars. I was 3 times to a doctor for the two summers- once i got dehydrated at work, because of the Ca heat, once i broke my arm - again at work, and second i had allergy on my eyes because of the change of the climate. Isn't this crazy- they charged me for something i already paid as a student.