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Frequent or repeated calls. First ... .the above question is n't applicable so I did n't know what to put but it made me put something. I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on permanent XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land C