A characteristic of a mutual agreement is that ____. 

A. the patient is billed for payment in full monthly, but may make whatever payment is possible
B. it is never regulated by the Truth in Lending Act
C. the physician and the patient agree on how much each month's payment will be
D. finance charges are always applied
E. it is generally set up by a collection agency

C. the physician and the patient agree on how much each month's payment will be
In a mutual agreement, or bilateral agreement, the physician and patient agree that the patient will pay a minimum amount each month.