SmileDirectClub’s recent bankruptcy filing and cessation of global operations have left many customers in a state of uncertainty. This comprehensive guide will walk you through the steps you can take to address your SmileDirectClub treatment plan and payments in light of these developments.
Understanding Your Current Situation
Before diving into the cancellation process, it’s crucial to understand the current state of affairs:
- SmileDirectClub has filed for bankruptcy and ceased all operations globally.
- Despite this, customers with active payment plans are still expected to continue making monthly payments.
- The company’s Lifetime Smile Guarantee is no longer valid.
- Traditional cancellation methods are no longer available due to the company’s shutdown.
Given these circumstances, let’s explore the steps you can take to manage your SmileDirectClub account and treatment.
Step 1: Address Your Payment Obligations
Continue Making Payments
If you have an active payment plan through SmilePay, you are still obligated to continue making your monthly payments until the full amount is paid off. This is in accordance with your Retail Installment Contract.
Contact Healthcare Finance Direct (HFD)
For any questions or issues related to your payment plan:
– Call HFD at 877-874-3877
– Email them at support@gohfd.com
Step 2: Seek Refunds (If Applicable)
If you made direct payments to SmileDirectClub (e.g., down payments or full payments):
- You may need to seek a refund through the bankruptcy process.
- HFD does not handle refunds for payments made directly to SmileDirectClub.
- Consider filing a proof of claim with the bankruptcy court (more on this later).
Step 3: Cancel Direct Debits and Consider Chargebacks
To prevent further automatic payments:
- Cancel any direct debits set up with SmileDirectClub.
- If you paid by credit card, contact your bank to initiate a chargeback.
Step 4: File a Proof of Claim
To seek compensation for unpaid services or refunds, follow these steps:
- Obtain the Official Form 410 (Proof of Claim) from the U.S. Courts website.
- Fill out the form with all required information, including:
- Your details as the creditor
- Claim details (amount owed, basis of claim)
- Supporting documents
- Submit the completed form to the U.S. Bankruptcy Court for the Southern District of Texas.
Important Deadlines:
- General Bar Date: November 27, 2023, at 5:00 p.m. (CT)
- Governmental Bar Date: March 27, 2024, at 5:00 p.m. (CT)
For more information, visit the restructuring website: restructuring.ra.kroll.com/SmileDirectClub/
Step 5: Transition Your Treatment
Since you can no longer continue treatment with SmileDirectClub, consider transitioning to a local dentist or orthodontist:
- Gather all your treatment records, including:
- Current treatment plan
- 3D scans of your teeth
- Used aligners
- Progress notes and images
- Find a new Invisalign-certified provider in your area.
- Schedule a consultation with the new provider.
- Provide them with your records and discuss your current treatment status.
- Allow them to review and adjust your treatment plan as necessary.
Step 6: Consider Legal Action
If you believe SmileDirectClub’s shutdown constitutes a breach of contract, consider the following options:
- Join or initiate a class action lawsuit.
- File individual breach of contract claims.
- Invoke consumer protection laws.
- Dispute finance agreements with third-party lenders.
- File complaints with relevant consumer protection agencies.
Conclusion
While the traditional process of canceling SmileDirectClub is no longer available, these steps will help you navigate the current situation. Remember to:
- Continue making required payments
- Seek refunds through the bankruptcy process
- Transition your treatment to a local provider
- Consider legal options if necessary
Stay informed about any updates regarding the bankruptcy proceedings and be prepared to take action within the given deadlines. While this situation is undoubtedly challenging, taking these steps can help you protect your interests and continue your orthodontic treatment journey.
