I have a bunch of medical debt but not really, just waiting for treatment to be “finished” and someone else’s car insurance to foot the bill. I have debt colle

I have a bunch of medical debt but not really, just waiting for treatment to be “finished” and someone else’s car insurance to foot the bill. I have debt collectors calling me which i ignore now because me describing the situation and them “putting a note in my file” has zero effect on how often they contact me. In the end I’ll owe $0 it will just take time to settle. But there is something coming close to $10k of “debt” out there with my name on it.