find estimates of what insurance companies would pay and if it's in your favor throw that in their faces.This is the second time in 3 years a medical company has sent her to collections and it's gone to court...last time it ended in wage garnishment, the amount wasn't that much so it didn't take long...12 grand is way to much to handle it that way.
Waiting has led to collections and this, talking to them basically leads them saying you have to pay this bill or your going to court.