Look the funny thing is that i am a U.S. soldier who have all his medical needs free of charge and taken care of. I don't know what this charge of $38.00 dollars that went to collection is for. I pulled a credit report and sure enough there is a bogus charge from a macarthur emergency physician, saying that I owe them a measly $38.00. All I know is that they need to fix this crap because i haven't even been to a emergency doctor or what ever. nco-medclr is a fraudulent company with scamming tactic trying to ruin peoples credit.