The Philadelphia Inquirer reports on the impact nationally of predatory debt policies of the kind practiced by Yale - New Haven Hospital used by hospitals in Philadelphia: Even now, Carolyne King still shudders remembering her run-in with hospital bill collectors. The trouble began when King, an uninsured clerical worker, checked into Graduate Hospital in Philadelphia four years ago with severe chest pains, a worrisome sign given her history of heart disease. Two days of tests showed that King, 62, was not in imminent danger. But then she got the bill: Graduate wanted $31,327, far more than King could afford on her salary of $18,000 a year. Debt collectors soon started sending dunning notices, telephoned demanding the money, and eventually persuaded a court to slap a lien on her West Philadelphia home. "I was in a state of shock," King said. "There were times when I literally felt they had my back up against the wall."