conversation: User (DentalDebt572): " In November 2012, I went in to have four teeth removed for braces. We all assumed that both my primary and secondary dental insurances would pay, but surprise surprise, I was stuck with the $1672 bill. We negotiated that I would have to make regular payments until the Balance was paid, and I have been doing so. I realized I missed a payment last June and so I called to make a payment for both June and July. Instead, They demand that payment be made in full in the next 30 days. There is no way I can pay that money in 30 days. I told them to put it in writing, and since "regular " and "payment " have not been properly defined, I was thinking of giving them a certified letter saying I would pay 50 a month until it was paid in full. They say if I don't pay the money now, They will send the bill to collections.  What Do you suggest I do? \n\nI'm typing on my phone so I apologize beforehand for grammatical or spelling mistakes. "
  Self: "I'd keep making payments (including the double payment for the missed month) and see if they really do send the bill to collections.  Perhaps double ALL payments from now until it's paid.\n\nCollections will be expensive for them and they'll lose a bunch of the money to the collections agency.  They just want their money - and if you give it to them without a fight, everyone makes out better."
  