[c0nsilienc3]

I would add medical bills to that as well. Some emergency room bills have asinine charges, and many aren't itemized very well. For example, you could have a bill that says:

Emergency room: $5,000 ECG: $300 Radiology: $600 Laboratory: $750

And maybe you just went in with chest pain from asthma where they took some quick labs and an x-ray, sent you home after breathing treatment and no prescriptions for anything, and now you have a $7,000+ bill after spending 13 hours in the ER. Most of that time was spent sitting around staring at a wall.