Another title for this post could be "Excuse me for my lateness Part 2." On February 9th, I received the first out of the four annual bills I get from the health insurance collector for independents. The letter was dated 18 January. Funny. I looked at the envelope and sure enough, it was sent on February 5th. Now here's the nutcracker: the deadline for payment was also February 5th! A check for 225EUR and an angry post-it note later, I sent off my payment hoping they wouldn't charge me any late fees. But just to be sure, I am keeping that February 5th postmarked envelope in case I have to prove my innocence. One more little piece of paper to add to my collection of the mistakes made by collectors.