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Jerry was a successful Ob/gyn on 61st street in Manhattan. He went to work each morning with a bagel and a coffee in his hand walking quickly to his office. While there he saw his patients, gave his opinion to pharmaceutical companies over the phone and vacuumed his own office each night. He napped at his desk between jobs. He made $2000.00 an hour and he taught at the hospital to cover his medical malpractice insurance. He was a television doctor and frequently appeared on the morning shows of the big networks. His clientele included supermodel Naomi Campbell, wealthy long island housewives, and all the ladies from Bloomingdale's.

Two erroneous $11 doctor bills stopped Jeanne White from refinancing her home.
The 49-year-old resident of Colleyville, Texas, says she was shocked to learn in October that the two medical bills, which had been turned over to a collection agency, had caused her credit score to fall to 680 from 757 ? making refinancing far too expensive.
"I was told I'd have to pay $14,000 in closing costs to get a 5.5% interest rate," Ms. White says, substantially more than she would have paid with a higher credit score. When Ms. White, a retired sales manager, contacted the doctor's office, she found out the bills had been issued in error.