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Fact 1: A medical provider made a phone verbal agreement with a patient on monthly payment installments to pay for a medical bill and made a phone verbal promise to the patient not to send the bill to a collection agency. Fact 2: The patient pays the installments every month as agreed. Fact 3: While the patient was making the monthly payment installments and having already paid half of the balance, the medical provider transfers the unpaid half of the bill to a collection agency. Question 1: Did the medical provider violate its agreement with the patient to make monthly payments and not send it to a collection agency? Question 2: Is such verbal agreement considered a verbal binding contract? Question 3: Can the patient sue the medical provider for the damage to his credit?