Money, Medicine and Mii

I am trying to decide which one is worse. Realizing that you are in debt or having some punk tell you that you are in debt after the fact. It seems like some people namely Hospitals love to send their friends to remind you ever so gently that you owe them money. Normally I wouldn't bite the hand that feeds me but after having a chat from a friendly commercial collection agency I think I am rethinking the whole medical CEO position that recently opened up in La La Land.