Hospital patients are faced with unprecedented economic challenges – including those driven by the pandemic and interruption of work and family life. Many patients have lost jobs and/or are struggling to meet day-to-day living expenses. CCR is here to help them through these challenging times.
Many patients have growing unpaid credit card debt, other unpaid bills, and unpaid medical debt. Our experience is that many patients would pay at least a portion their medical bills if they were able to do so. CCR helps patients get back on their feet, financially, by accessing our vast network of social, financial, and support services, all free of charge to the patients.
The patient will receive warm and compassionate understanding from their CCR representative. This outreach will strengthen the CCR/patient relationship and encourage patients to maintain their health status and not avoid seeking ongoing medical care, due to guilt or fear stemming from their unpaid hospital accounts.
Upon enrolling in the CCR program, patients will receive FREE access to social service programs and other CCR services that can help them deal with their unique situation and strengthen their financial position. Patients often see improved FICO scores, increased savings accounts, and will be able to adopt more effective debt management and financial spending practices.
Finally, the patient will experience a new sense of dignity and pride in being able to pay their bills. Two of the most important CCR outcomes are the satisfaction and the peace of mind that comes from eliminating excessive and burdensome debts.
CCR addresses the root cause of delinquent debt and helps consumers get back on their feet, financially, by helping them achieve financial stability, improve their credit scores and gain access to banking services that many of us take for granted.
The long-term outcome is healthier families, better scholastic achievement, and the opportunity to build savings that will act as a shock absorber for unexpected life events. CCR helps consumers deal with their debt obligations in a way that is honorable, and in many cases avoid costly and damaging bankruptcy.
On a regular basis, CCR is able to assist consumers with debt negotiation/settlement services on accounts such as charged-off credit cards, auto loans, etc., ranging in savings from 30% to 70% of the original balance.
CCR also helps consumers improve their FICO scores. The difference between a sub-prime credit score and a prime credit score can mean a savings of $3,000 to $5,000 in interest on an auto loan or $30,000 to $50,000 on a home mortgage loan.
Cassie went through a period of intense struggle trying to finish nursing school while going through a contentious divorce. She finally obtained her nursing license but was still unemployed when CCR reached out to her.
“They helped me find a job as an RN, and I am very excited to start working as a nurse. I personally think Career Services is an awesome way to help people that are in an unfortunate situation such as myself. I am forever grateful.”
Sherrie initially reached out to CCR for rent assistance. She had lost her job when she became sick with COVID-19 right before the holidays.
CCR helped arrange assistance with her rent payment. During the conversation, we learned Sherri has a five-year-old son with autism.
The CCR employees had a bike shipped to Sherrie, and it arrived the same day in time for Christmas. “If it wasn’t for your company, my baby wouldn’t have received everything he asked for. He has recently had surgery, so he needed this pick-me-up. God bless you all and thank you for everything!”
Guy is a police officer who was left with a medical bill in the amount of $19,000 after a hospitalization. He couldn’t afford it and didn’t know what to do.
His CCR representative called the collection agency and was able to negotiate a discount of 82%. He paid only $3,500 on his debt, saving him $15,500. He was thrilled to be rid of the overwhelming stress of medical debt and the collection agency was delighted to efficiently resolve a delinquent account.
“You did a tremendous job. I give you guys all the credit on my medical debt… Thank you very much for your assistance!”
Julie works full-time as a High School English teacher despite a disability incurred from being a victim of violent crime. She told CCR that she was paying $700 a month in student loans which was putting her under severe financial strain.
She had tried time and again to get her monthly payment lowered without any success. Her CCR representative called the student loan company on her behalf, and within a few weeks was able to obtain a payment arrangement of only $87 a month. This freed up over $600 a month in disposable income. “That means I will have money to fix my car, money to buy new clothes, and maybe money to save in the bank. I am so excited, I’m so happy, and I’m very, very grateful.”
Terry broke his back in an accident on a drilling rig and needs a wheelchair to get around. He was unable to get through the front door of his home without assistance and had a rotting wheelchair ramp. CCR called a local organization to make the necessary repairs allowing Terry to move about safely in his own home.
Within a month, the ramp was replaced, the front door frame was widened, and a new front door was installed. “I am extremely blessed that they helped me. It’s a really good program. They do a lot of good and help a lot of people. I love them for it. If I had any advice for people, I would say to check them out and find out for yourself.”
Mamie and her husband are in their late 80’s and living solely on social security income. Her husband wasn’t taking necessary medication and was going without glasses and hearing aids because of their financial hardship.
Mamie also had a defaulted loan with a credit union and was receiving letters from an attorney threatening to sue. When CCR spoke to Mamie she was in tears, living in fear that the Sheriff was going to show up on her doorstep. CCR arranged for prescription drug assistance, new glasses, and hearing aids. CCR also reached out to the credit union and began negotiating on Mamie’s behalf.
CCR was able to negotiate a final agreement to settle Mamie’s debt of $5145 for $2000 – a 62% discount. “She is very good, and very patient. She’s been working with me… and we finally got a really good deal on a settlement I can afford. I sure do appreciate her so much… I have a very sick husband and between that and this debt issue, it took a toll on me. It was hard not to just give it up, and I have to credit her for helping me so much.”
Mariano went through a period of unemployment that caused she and her husband to fall behind on payments with numerous accounts. She was eventually able to find work, but by that time they were so far in the hole financially that she didn’t even know where to begin.
CCR was able to negotiate settlements and payments on all of her accounts, helping her get out of debt. “I’ve been helped by your organization… to take care of all of my credit issues that I had. Now my credit has been increased, and I’ve been able to get a credit card and an auto loan. Thank you very much to all of you. I would totally recommend you to all of my friends and family - people that I know that are in the same situation and need your help. Thank you for helping me and thank you for everything you guys do for people that have issues with their credit.”
Janice lived on a fixed income and was unable to replace the hot water heater in her condominium. When she heard about CCR she decided she had nothing to lose by calling.
Her CCR representative immediately began making calls to local plumbing companies in her area to see if anyone would be willing to help.
“I have been without a hot water tank for three long years, and with your help and kindness, and a blessing from the Father above, I was able to receive a hot water tank that was installed on Friday. I now have hot water! This program is awesome, and your employees are beautiful people who are willing to go beyond to help those who are in need. God bless you, and I thank you all.”
Roy was at his wit’s end when he received a call from his CCR representative. He went into serious debt to help his terminally ill parents, because they didn’t have supplemental insurance. After they passed away, he lost his job and everything he had worked so hard for during his life.
CCR built him a resume and conducted job searches. They helped Roy find employment and allowed him to get back on track, financially.
“They’ve fulfilled all of their promises about creating a resume, and helping me find work, and I appreciate it. I’m trying to get back on my feet, and rebuild my life, and they really helped me… Thank you.”
Brenna was out of work for over a year when she first spoke to CCR. She could hardly believe the help that they were offering was genuine. Her CCR representative built her a new resume and found her a new job.
“Within a month I have found a job... Thank you to you all. The representative worked with me on my resume, applications, and even helped me find someone to repair my computer. You do exactly what you say. You have given somebody a chance… Thank you very much, and God bless you. “
Katie was caring for a baby with another on the way when her husband lost his job. They quickly found themselves with damaged credit and large amounts of credit card debt. Her husband went to school for a CDL license, but the school was shut down. This left him with an additional ten thousand dollars in debt, and no license. When he finally found work, it was at half of his previous pay. They were at the point of considering bankruptcy when they were reached by CCR. CCR negotiated settlements on their behalf, saving them over $40,000. In addition, they helped Katie have one debt eliminated entirely simply by informing her of her rights as a consumer. After receiving Negotiation Services through CCR, Katie and her husband were able to become debt free, begin rebuilding their credit, and were able to secure an auto loan.
Linda is an elderly woman who receives less than $500 a month through Social Security and has no other income. Her daughter helps as she can, but Linda’s home has fallen into disrepair, and it is beyond their means to get it fixed. She had been living with a leaking roof, and a homemade porch consisting of boards on top of cinder blocks. Since Linda has arthritis and uses a cane to assist in her mobility, she didn’t have a safe way to get in and out of her home. CCR called a local organization who repaired her roof in two places and built her a new porch. Linda can now move safely in and out of her own home.
David is disabled and both he and his wife are on a fixed income. Their heating unit had gone out, in the middle of the terrible winter storms experienced in February 2021. They had one small space heater to warm their home and it was not sufficient. CCR immediately purchased and sent them an additional space heater that same day and then reached out to a local non-profit who delivered additional space heaters to keep David and his wife warm. The same non-profit then began repairs to the heating unit.