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HelloThis is Samuel and I will discuss this and provide you information in this regard.Yes, if the doctor has not made payment arrangements, the matter can and in most situations is sent to a collection agency because the doctor does not have the staff to deal with outstanding invoices.There is nothing illegal about any creditor not taking a payment plan or forwarding it to collections.
HelloThank you. There has never been such a law. It could be that doctor's policy. But there is no consumer protection law that would require any creditor to accept a payment plan that would not be managed by collections.It is entirely up to the policy of the office.
Now, you may be confusing the minimum payment being paid say on a credit card. If you are making a minimum payment and not late on a credit card, they cannot send the matter to collections.But with a creditor such as a doctor, they do not have to accept a minimum payment without an agreement and to maintain it in office.