Our advice columnists have heard it all over the years—so we’re diving into the Pay Dirt archives to share classic letters with our readers. Submit your own questions about money here . (It’s anonymous!)

Dear Pay Dirt,

I’m dealing with more of an inconvenience rather than problem. My wife and I are in our late 20s and are fairly well off, with no debt other than a mortgage for a home. We bought our home about three years ago, and while doing so I discovered that I had medical bills in collections. They are not my bills, and I never received the treatment in question; the facility was in my old hometown that is halfway across the country and I wasn’t there on the date of service.

I was able to get the bills removed, but now, every six or so months, they show up again with a new de

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