In this case, someone has several medical debts, for separate procedures/office visits. Each of these debts is of an amount less than $100. It would seem that, since the visits are separate, these represent separate 'accounts' for the purposes of the debt collection / law.
However, given that there are several of them, could the creditor or debt collector decide to merge them into a single account, with a sum greater than $100?
I ask because my understanding is that accounts with debts less than $100 do not negatively affect the credit report. So in this case the individual would actually not want the parties to combine the accounts.