Definition: In this task, you are given a Reddit post as a text. Your task is to generate a title for this text. The title should start with "TIFU by", followed by a situation that caused humor. The title should contain 7-12 words, ideally.
Input: Text: this all started almost a year ago. i was working night shift at walmart and it had begun to mentally wear on me.. i began to has massive anxiety attacks and i began to worry every little pain in my body was going to kill me.
fast forward a month or so and i end up in the er. i had no medical insurance at the time so i got a bill for almost 4000 dollars. i called and talked to someone about getting it reduced to a more manageable amount and i was told they would be doing something about it. after that i never received another call or called back (which was my fault)
i ended up back in the er a couple more times before i managed to get insurance. afterwards everything went fine and the insurance covered me. 
last week i received a letter from a collections agency and i find out i have almost 10,000 dollars in medical debt. i have been told that there is nothing i can do to reduce it (except for a 25 percent reduction that i would have to go to court for and may end up costing me more than what i would get taken off) 

so now i am working a minimum wage part time job, living on my own for the first time with a room mate and i barely make 700 in a single month. after i pay all my bills i have maybe 20-50 dollars extra and now that will be gone too.  i'm scared. i'm broke and i don't know what to do.. please don't make the same mistake i did.

Tifu by not following through on medical bills.