事情是这样的。 诚心的求建议！
今年一月我约了医生。（因为我在另外一个州工作。家人还在这个州， 我是趁 寒假来看家人，想顺道见一下我的家庭医生。）但由于种种原因，后来没有去见他。
大概三月份，接到这个诊所的电话，说我欠了他们 25 刀, which is no show up fee. I explained to the lady who called me and she said that she can take care of it and wave it. Then I didn’t hear from them anymore.
几天前， 接到 collection agency’s phone call regarding this $25.
I am very shocked. I called the clinic and wrote them an email regarding this $25. I am requesting them to send collection agency a note to delete this collection action. I didn’t hear from them yet.
I am so worried now since I am very careful about my credit score. This $25 would affect my credit score very much! Credit Score also will affect my mortgage rate and mortgage insurance. I just bought a condo two years ago with 5% down. (Therefore I am paying mortgage insurance.) I am hoping that I will get this mortgage insurance deleted after my principle reach 20%. But bad credit score would make it impossible!
我该怎么办呢？ 恳请专家的建议。 不胜感激。
