Information About Our Debt Collection Services

We serve as a liaison between the Dental Office and the patient when the service fee was not paid in a timely manner by the patient per a signed financial agreement.  We ONLY accept accounts from providers where the provider made at least 5 attempts to collect the balance owed.  This means that the patients had ample opportunity to pay the debt without any legal process. Once the provider exhausts their efforts collecting the balance on the account, they turn the account over to our office to proceed according to the State Consumer Fairness Credit ACT where the patient resides.

Here is the NY ACT

Once the account is on file with our office, the provider, per their client agreement with our office,  can no longer remove the account from our collection process, unless the patient is deceased, filed bankruptcy, or the services did not occur and the case was submitted in error.  The patient has the power to cease our proceedings immediately by paying the balance through our website.  We DO NOT recommend making payments to the office as this delays the accounting reconciliation and may impact continuation of the process.   

We attempt to preserve the provider-patient relationship.  There are many reasons why the balance was not paid by the patient.  Our first contact with the patient is always to inform them that the account was filed with our office BEFORE any action is taken.  It is only in the event that the patient does not respond that we proceed with our collection process and do what we were hired to do by the Provider Dentist.  If the patient has any questions regarding the source of the debt, they are free to contact the office.  

If the patient was under the impression that their insurance did not pay their obligation of the balance that is now in collections, the patient is still responsible for the amount that is in collections that is due to the provider for services performed.  Typically, the dental office managed all claims PRIOR to sending in house statements, and PRIOR to filing with our office.  The patient can request for the office to research the claim payments or they should contact their insurance directly regarding the date of service in question.  The provider requests us to collect balances following their contractual agreements and fee schedules provided by the insurance. If the insurance makes payments on balances that are  in collections, the office is instructed to assign those reimbursements to go directly to the patient´s address.