Hopefully they will cut you some slack. Unfortuneately, many companies have zero flexibilty and won't budge.
Thanks to everyone who responded! I hadn't thought about a GW letter for the CC, it literally had a $15 balance that he thought was entirely paid off which resulted in this problem. Under these circumstances (he has never been late on it before), they should cut him some slack, right?
As for the collection, I have heard of the method described by madrilley using HIPAA. But I think, under HIPAA, sending PHI in connection with a debt to an outside collection agency is allowable activity. Too bad.
I will pass on all your suggestions to my husband, and make it his project this week to figure it out. Thanks again!