Even a cursory Google proved this one isn’t just wrong, but super wrong.

Patients and their families are contacted by debt collectors about medical bills more than any other type of debt, and it commonly results in negative information appearing on credit records. In fact, in 2021, 43 million people had allegedly unpaid medical bills on their credit reports.

https://www.consumerfinance.gov/about-us/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/#:~:text=Patients and their families are,bills on their credit reports.

Think, not a lawyer, it’s not effectively true. Collection doesn’t need medical records, they just need a number to go after. Hell collections don’t even need to prove you have the debt they are going after, they can still go after you. Lots of stories of people paying off debt and still getting calls about it

Almost certainly flatly untrue. Medical debt in the US goes to collections agencies all of the time. According to the CFPB, consumer credit debt from credit records totals around $88B USD. If this was some sly loophole, someone would have figured it out and won in court by now.

This seems like bad advice at best and actively harmful at worst.

This is true. It can’t be sent to collections lol. When it’s sent to collections, it needs to be itemized. The collections agency that “purchases” your collections will require an itemization of what is owed.