How can I manage unexpected dental payment obligations in Kansas due to a verbal agreement?

Question

I started dental treatment at a new place, and they set up a monthly payment plan for the total amount. They didn’t specify that payments were required even for months I didn’t have appointments. Due to financial issues, I couldn’t make payments for several months and now owe over $700. There was no written agreement provided, only a verbal understanding. What can I do to manage this situation?

James L. Arrasmith · Answer

That’s a tough spot to be in, especially when you thought you understood the terms but later found out the expectations were different. In Kansas, verbal agreements can be enforceable, but only if both parties clearly understood and agreed to the same terms. If the dental office never told you payments would be due even without appointments, that lack of clarity could be worth pointing out when discussing your options. 
 
Start by contacting the dental office in writing and asking for a detailed breakdown of your account—what services were billed, when, and how the payment plan was structured. Explain your understanding of the verbal agreement, and be honest about the financial difficulties that caused the delay. From there, try to negotiate a repayment plan that works for you, even if it means paying a smaller amount over a longer period. 
 
You can also ask if they’d be willing to reduce or waive late fees or part of the balance, especially if you've already paid for some of the treatment. Most offices would rather get partial payment than send your account to collections. You’re not trying to avoid your responsibility—you just want a fair, manageable way to move forward.

Q: How can I manage unexpected dental payment obligations in Kansas due to a verbal agreement?