My question involves collection proceedings in the State of: illinois
In 2008 my primary dentist sent me for some special gum treatment to periodontist specialist.
I went for a quote and after my acceptance i scheduled the treatment plan which was set for two visits.
When I received the initial quote it was mentioned my payment and insurance payment was left blank resulting of total amount to be same as my amount which i should pay at the time of the treatment.
By my insurance rulls I can go to any dental specialist which has chosen to participate in the same network of providers.I verifyed with my insurance that this specialist is part of the network and I was told that each specialist dental office regulates their own prices and they are agree to give 25% discount of their regular prices.This was my understanding why insurance portions was left blank.Since I knew that they have to offer 25% discount(nobody never give me their regular price)I was thinking that the amount which I have been quoted is the amount with 25%discount included.
I received first treatment and paid quoted amount for this visit in full.So far-so good.Two weeks later I received second portion treatment and paid in full too.
About two weeks later I received a letter from this office stating that insurance company has refused to pay the difference between the amount which already is been paid by me in full(for which i have been quoted)and their actual price which resulting in about 40% discount from their regular price.I was informed that I owe them about $650.00 ...The interesting thing is that this happening after everything is completed and at that moment i couldn't do anything.I tryed to resolve the issue with this office telling that I have a quote and I paid the whole amount which I was quoted and if they did mistake-is not in my part,so they should accumulate the loss ,because is their own mistake.They refused to discuss this my attempt to resolve it and I started to receive letters that my account will go to collection agency.
Sure enough two days ago i received a voice mail from this agency with call back number and today my boss told me that same guy from same agency was looking for me at my work place.
My questions to you is:
-Is there is any way that I am liable for this amount-i am treating this quote like writen agreement between us.I paid all amount in full.
-What is the appropriate steps to do now?-do I need to call this agency or i should stay and wait to see what is going to happen?
-I never been in touch or trouble financially-I kept all my credit card bills paid in full-house paid off-dont'know what to expect...
-how bad things can go...
-Please advise me....
Thank You for your time and help.

