Gonzo
The Living Force
Unfortunately, when collection agencies get involved, one is now dealing with even darker forces. They aren't interested in hearing explanation, they want their money, especially if they paid for the account. These buggers will try to do all sorts of nasty things, including messing with your credit rating.
I feel it is best to try to solve the problem before it goes that far. Getting a lawyer involved is costly though, but their might be consumer protection agencies you can use. As well, many regions have something like a better business bureau, where you can lodge complaints against unfair practices. The complaint, if not resolved, becomes part of the public record. So, it might be a good idea to research consumer protection for your area and then approach the tyrant with your terms, letting him know that if he is not interested in dealing with the situation in an honorable manner, he leaves you no choice but to file complaints with whatever consumer agency that might exist in your state, as well as a complaint to whoever governs healthcare there. In many jurisdictions, practitioners have to be certified and registered with a professional or government organization.
He might want to avoid the potential hassles.
In terms of contracts, some jurisdictions recognize verbal agreements as intent to enter into a contract. However, it seems to me you agreed in good faith but could not foresee financial difficulties that prevented you from continuing. Your fair offer to make up the difference between the reduced price and regular price further demonstrates good will. However, contract law can be tricky. You might be able to call a dial-a-lawyer service available through your local bar association for a fee-based consultation. Often these consultations are quite reasonably priced and will help you become more acquainted with your rights, responsibilities and chance for successful remedy.
I hope things work out for you. Keep us informed.
Gonzo
I feel it is best to try to solve the problem before it goes that far. Getting a lawyer involved is costly though, but their might be consumer protection agencies you can use. As well, many regions have something like a better business bureau, where you can lodge complaints against unfair practices. The complaint, if not resolved, becomes part of the public record. So, it might be a good idea to research consumer protection for your area and then approach the tyrant with your terms, letting him know that if he is not interested in dealing with the situation in an honorable manner, he leaves you no choice but to file complaints with whatever consumer agency that might exist in your state, as well as a complaint to whoever governs healthcare there. In many jurisdictions, practitioners have to be certified and registered with a professional or government organization.
He might want to avoid the potential hassles.
In terms of contracts, some jurisdictions recognize verbal agreements as intent to enter into a contract. However, it seems to me you agreed in good faith but could not foresee financial difficulties that prevented you from continuing. Your fair offer to make up the difference between the reduced price and regular price further demonstrates good will. However, contract law can be tricky. You might be able to call a dial-a-lawyer service available through your local bar association for a fee-based consultation. Often these consultations are quite reasonably priced and will help you become more acquainted with your rights, responsibilities and chance for successful remedy.
I hope things work out for you. Keep us informed.
Gonzo

