Kari Fiotti moved back to Omaha, Neb., in 2009 after a decade living in Italy. She had divorced her husband and returned to the U.S. to start a new life.
Then, Fiotti, 44, took a pricey fall.
"When I came back, I fell and I broke my wrist without insurance," she says.
Her doctor, she says, rejected her offer to make partial payments. So, like millions of Americans, her debt — which had grown to $1,640 with interest and fees — was turned over to collectors.
Fiotti soon learned how hard they would try to collect her unpaid bills.