There are no prohibitions for seeking to collect on your receivables. In fact, greater restrictions are on collection agencies you may use to do that job, if you outsource it, as per the Fair Debt Collections Practices Act, and those prohibitions on those types of companies are literally, prohibition of unethical abuses, lies, threats, etc. You won't be breaking any laws by asking your patients, by letter or by phone, to get on a firm, written plan or to pay it off outright. If you are curious about the laws regarding collections applicable to collection agencies, here is my PDF copy of the FDCPA.
Good luck here, it is so hard to collect, when you know people are having it tough, but I appreciate your apparent gentleness with your patients in this regard. It is hard on your business, I know. But you really have much freedom to use your common sense to start demanding payment.
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