With the hospital.”

“What do you mean?” I said.

“He said that debt should never have existed,” Sal said.

“He said the outside billing company the hospital used had filed those charges against you improperly, after the insurance audit on your husband’s case was already closed and settled.

In plain terms, ma’am, they were trying to collect money from a grieving widow that they had no legal right to collect.

It was not a real debt.