cost of getting sick in america. i felt like a criminal, like i was doing something wrong. reporter: when a man showed up at alysa gummow s front door in kenosha, wisconsin, last october with a court summons, the 48-year-old single mom felt crushed. did you ever think you would be in the financial situation you are in because of medical bills? never. it makes me feel like a failure. reporter: they re suing you? yes. reporter: for the second time, she s being sued for unpaid medical bills her insurance didn t cover. back in 2017, a $50,000 bill for hip surgery forced her into bankruptcy despite having a full-time job. you know, middle class americans, we get the short end of the stick. it s not fair. reporter: this time, gummow has a job that pays more, but not enough to pay new bills not covered by her high deductible insurance plan. this is lisa, i m a debt collector this is