Hello. My name is***** will be happy to answer your question.
I am sorry to hear about this unfortunate situation.
What is your legal question about the situation you have described?
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Generally, if the bill is sent to the 3rd party collection agency, such debt can be reported to the credit bureaus and if the collection agency is unable to collect on the debt, then a local attorney would be engages to file a lawsuit to collect the alleged debt.
So, if the lawsuit is filed and the matter goes to court, the judge will review the case, listen to the both sides and also will review all the evidence, including the tape / audio recording and will decide whether the debt is valid based on all the testimony and evidence presented.
I wish you the best of luck!
Please let me know if you have any related follow up questionI do not handle any billing or customer service questions or issues, but you can properly address such concerns to JustAnswer.com Award Winning Customer Service:http://ww2.justanswer.com/helpThanks.