Payment in full is due when you receive your statement. Patient balances not paid in full within 30 days after receipt of statement are considered past due. Finance charges will begin to accrue at a rate of 1.5% per month, which is an annual percentage rate of 18% applied to the total balance after deducting payments and credits on the account. Past due accounts will be reviewed for referral to a professional collection agency and/or attorney for further collection activity. You will be responsible for all collection costs incurred, including any reasonable attorney fees and court costs, if applicable.