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Question
I do the billing for a small dental office in Illinois. There are a few accounts with substantial balances who insist on paying a small amount $10 or $30 monthly. Some of these balances will take two years to pay off at this rate. Can I send them to collections? I have written to them, sent them 90 day notices, etc. Since we are a small dental office (one dentist), we know our patients pretty well and know when someone is having a hardship or when they are just stringing payments out. Thanks for your consideration.
Linda:
There is no law stating that your office cannot send the matters to a third party debt collector. Unless there is written agreement which affords them the remedy to stretch payments out as they wish, you may be just as well advised to hand the accounts off to a local attorney to institute civil actions against these patients. It would likely be quicker.
Apex Credit Services, LLC
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Answers by Expert:
Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
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Flagstar Bank
Chase Bank
Past/Present Clients
Flagstar Bank
Chase Bank
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