I signed up for invisilign in July of 2007. about 3 months ago i got a letter from the orthodontist saying that I owed them 2grand. when we originally began the process they said i had to pay 750and the insurance would cover the rest. now they are saying the insurance isn't covering and I am responsible. i asked them to send me a copy of my contract and no where in the contract does it say anything about the amount i have to pay. the only monetary value mentioned in there is that if for whatever reason i stopped using the invisilign they could collect 2,000. I dont want this to affect my credit, i got a letter this last week saying my account was delinquent. Can the orthodontist office affect my credit? Also i am aware they might try to sell the contract to a collection agency, is that legal. Can they just sell the contract to someone and then them try to collect from you and affect your credit? Its not like it says anywhere in the contract that they can do that. I am calling the orthodontist today and telling hey i paid what you said and it doesn't give me a specific amount here on this contract so why am i obligated to pay a price i didnt agree to? any input would help. Thanks
Generally you are responsible for the medical expenses you incur. If you have a contract with someone else to pay, say an insurance company, you are then able to sue them to attempt to make them reimburse you. Many contracts don't specify how much you pay. That information is included in some sort of billing invoice. This is especially true when dealing with a contract that is pre-written and used over and over, the so-called adhesion contract. If the dentist reports to the credit bureaus, this would possibly be reported. If it is sent to collection, the CA is more likely to have such a reporting mechanism set up because it wants to use negative reporting as an inducement to get you to pay the alleged debt. Generally debts can be sold. This is a form of assignment where all rights to collect are permanently transferred. This would be as opposed to an assignment only for purposes of collection. But it doesn't say that they can't, does it? Dumb Bob is pretty sure that the right to make an assignment is assumed for the legal holder of a valid debt. In other words, trying to argue against the concept of assignment in a court isn't likely to get you anywhere you want to go.
Yes they can effect your correct.while there's no set amount it would be hard when it comes to what its going to end up costing.Yes you didn't agree to pay anything above a certain amount.I wouldn't let that tank my credit!
