Liz Moreno thought she was done paying for her back surgery in 2015. But a $17,800 bill for a urine test showed up nine months later. Her father, Paul Davis, a retired doctor from Ohio, settled with the lab company for $5,000 in order to protect his daughter’s credit history.

Liz Moreno thought she was done paying for her back surgery in 2015. But a $17,800 bill for a urine test showed up nine months later. Her father, Paul Davis, a retired doctor from Ohio, settled with the lab company for $5,000 in order to protect his daughter’s credit histor