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 actually happens 6 months but i just got my head out the sand and actually look and ask about my bills... 
long story short, i ride my dirt bike every week and this week i took a fall and broke my collar bone. my buddy loads up the dirt bikes and is about to take me home. i do not have medical insurance so i wasn't going to go to the emergency,  but my buddy finally convinces me i should just in case. he drops me off and i tell him my dad will come pick me up later.

anyways, i told the doc i think i broke my collarbone and he said he is going to take some scans and see what's up. so i get an x-ray and some ct scans thinking the bill will be worth the piece of mind. the doc gets the x-ray and says my collarbone is broke but he is not an orthopedic doctor so he is not qualified to take about my options and i should call an orthopedic on monday. my dad comes and picks me.. the end

so the next month i get a bill for 4813 dollars from hospital. this was the first time i have ever been to the emergency room (i'm 24  btw) i call and ask for an itemized bill. the lady on the phone said she will put it under review and not to do anything until i get the itemized bill. then a month later i get a bill 1583 from radiology,  and 1072 bill from the doctor. i called hospital and they again told me my account was under review and not to do anything..

thinking i am waiting on this itemized bill i didnt do anything with the letters or calls from debt collection. so today i finally realize that radiology and the doctor are separate from the hospital and have completely destroyed my perfect credit..  i came to this realization by calling the hospital today and asking them about it and the nice lady said my account was still under review,  i was still in good standing, and i have not been actually billed yet.. also this call to the hospital was after i caved on debt collection phone calls and put radiology and doctor advice on my credit card... 

discliamer this post is written on my phone and in a panic state. don't even know if comprehenable..

TIFU by going to the emergency room