My husbands x wife had 3 or 4 kids one of them had dental sug. he did carry ins on her but the dr never filed the claim. since then we now have a collection acct on our credit, the ins did pay the bill this week leaving a balance of 70.00. my question is should step parents who do not addopt the step kids pay these bills? is it not the bio parent who should pay these? what is the legal part of this all?