I work in a medical billing office. Every day, every single day, we get phone calls from people who make every claim that it’s not their responsibility to fill out the paperwork properly, it’s our responsibility to make sure the patient gives us the correct information, it’s our job to make sure they’re not signing an agreement they don’t agree with, or giving us the wrong insurance card, or forgetting which date they were injured, or what their Social Security Number is. They sign waivers that say “If my insurance doesn’t pay this bill, I agree to pay this bill,” and then when their insurance doesn’t they claim it’s not their fault.
I don’t have much sympathy for such people, but I don’t like our policies on the matter, either. The fact is, our administrator says if the address that the patient gives comes back as undeliverable, or if the patient doesn’t answer the warning letter, their account is turned over to a collection agency automatically. He doesn’t want us wasting our time tracking that patient down, calling the doctor to verify the address, calling the patient at home and waiting for the patient to call back, or any of that. Step 1 is collections, no warning.
Yes, it’s draconian. It happens. It’s not going to vanish simply because we stop teaching that awful, terrible truth in schools.
The reason we have that policy is because some people go to amazing lengths not to pay bills. Not because of honest mistakes, but because they’re jerks and will manipulate every available loophole. “You didn’t call me first, you can’t send me to collections, I read it in the Constipation or something, nyah nyah!” Yeah, buddy, we can and do.
On the other hand, if the person makes an honest effort to contact us and straighten stuff out, we can sometimes work around that consequence and get the thing taken care of.
MandaJo’s response is best. Begin with the harshest punishment: zero credit. If the student wants to take the effort to fix it, no harm no foul.