I was charged $14000 for a helipcopter ride to the hospital that I didn't need and now they want me to pay $305.00 a month for 38 months. I am barely making enough after my bills to eat. If I send them a little money every month, can they still send me to collections or put a negative remark on my credit report? I did not meet the protocol for a medical helicopter airlift... should I even be responsible for the bill... should I fight it. Help