Harris Meyer Brenna Kearney plays with her daughter, Joey, at home in Chicago. (Taylor Glascock for KHN)Kearney's daughter, Joey, born at 31 weeks, was placed on a ventilator and moved to the hospital's neonatal intensive care unit. Taylor Glascock for KHNThe takeaway: Even resourceful consumers who appear to have the law on their side, like Kearney, may find themselves in a losing, time-consuming battle with medical billing bureaucracies and facing collection actions