and she comes rolling into aspen dental prepared to have these two teeth removed. but, much to her chagrin, she found out that they wanted to do a whole makeover of her mouth-- removal of many more teeth than the dentist had initially recommended, and then the creation of dentures, all at the tune to about $8,000. $8,000 is close to 50% of her annual income. >> when they presented that big... eight, seven thousand dollars, i says, "i can't afford that. i don't have that kind of income." well, they didn't care. they figure, well, i could put it on a credit. >> o'brien: mrs. ferritto wound up with the g.e. credit card called carecredit. >> they never mentioned or explained about a lot of interest, high interest-- never. >> look at this-- look, look look. >> o'brien: carecredit began charging mrs. ferritto interest as soon as the credit card was issued, even before much of the work had begun. >> so as soon as she got approved for that credit, those charges and that interest started to accrue at that second, before she even left the dental office. and so we feel like s

and aspen dental does that, too. >> o'brien: aspen sponsors a nascar team and last year had three-quarters of a million customers. >> our vision is to have the most trusted dental brand in the country. the typical patient is probably 45 to 65 and struggling kind of just to make ends meet. they're taking this week's paycheck to pay last month's mortgage, making a car payment. they will push things off and push things off until they can't put them off any longer, and hopefully, if we're doing our jobs, we've located in the right markets, we're creating awareness in those markets, and those people are choosing to come into our offices. >> o'brien: bob fontana invited us to come to one of aspen's showcase offices in warsaw, indiana. here we met dentist kurt losier, who owns the practice at this aspen-run office. >> so, ted, you're saying you're having a pretty significant toothache on the bottom left. when's the last time you saw a dentist? >> about ten years ago. >> okay. >> o'brien: ted collins is a typical patient-- a truck driver with no dental insurance. he came in because of intense pain