At CCMR3, working with consumers goes beyond finding immediate solutions to repayment needs. Whether it's educational opportunities to boost your financial IQ or resources to help you better understand your rights when it comes to debt collection, we are committed to providing consumers with a lasting positive experience.
Financial Literacy & Education
We offer free financial literacy and education courses through an accredited third-party resource called EverFi. These simple, educational modules provide the information you need to make informed decisions about your financial future. Courses cover personal finance, small business, elder fraud, and family shareables, so you have the tools you need to take control of your finances, and your life. Enroll Today
Additional Consumer Resources
Have questions about guidelines and regulations regarding collection? Below are external resources from US federal agencies you may find helpful:
www.ftc.gov Policy and research tools developed to protect consumers and promote business competition.
Questions or Concerns
If you have been contacted by CCMR3 and have questions or concerns about your interaction, please contact us, providing as much information as possible. We take consumer feedback extremely seriously, and will do everything we can to address your inquiry.
As a healthcare provider, protecting your revenue cycle is critical, but your focus should be on serving your patients, not battling with insurance companies or working to track down earned revenue. Accounts Receivable Management partners can relieve this burden and provide a much-needed service not just for you, but for your patients as well. If you’re a provider looking to get away from the stress of managing your accounts receivable process, here’s a high-level breakdown of how a partner might be able to help.
For many healthcare practice owners, creating and maintaining a healthy revenue cycle is a major challenge. Balancing insurance billing and managing patient responsibility can be as stressful for staff as it is for payers–but it doesn’t have to be.
From beginning to end, your customers’ experience with your debt collection team can affect your brand reputation as well as your success in collecting revenue. Simple adjustments in approach as well as investments in modern technology will benefit you now and in the long run.
CCMR3 is a premier debt collection agency. We are a member of ACA International, New York State Collectors Association, Receivables Management Association, International Association of Commercial Collectors and Healthcare Financial Management Association. We are committed to providing professional and ethical collections in multiple industries.
CCMR3 is not a scam. We are a third party debt collection agency that holds our collectors to the highest level of ethics and integrity. Companies across the Unites States contact us to help them recover debts. If you received correspondence from us and still are unsure, you can contact the creditor and they can verify that the account has been placed with CCMR3 for collections.
CCMR3 is a third party collection agency. If you have been contacted by one of our representatives, it is because we have received information that potentially links you to a debt we have been contracted to collect. If you believe you are being contacted in error please let us know via our online contact form. If you have any questions or would like to speak about your debt further, you may call us directly at 866-272-4035 on Monday-Friday from 8:00am-6:00pm EST.
If you believe that we have contacted you about a debt that you do not owe please contact us, a representative can be reached toll free at 866-272-4035 on Monday-Friday from 8:00am-6:00pm EST or you can let us know via our online contact form and finally you can send us a written letter of dispute.
You can request information about the debt placed with CCMR3 by contacting us by phone at 1-866-272-4035, sending us a letter or using our online form. Please note that in order to send you detailed information about your debt or discuss your debt over the phone we are required by law to confirm your identity.
If you have received correspondence from CCMR3 on a debt that you owe but are unable to pay the full balance owed please call us at 1-866-272-4035. One of our representatives can discuss different payment plan options with you. Remember we are here to help you.
The Fair Debt Collection Practices Act assumes convenient times to contact you to be after 8:00am and before 9:00pm in your time zone. A debt collector is allowed to contact you any day of the week. Sundays and holidays included, unless you tell them not to. You must state verbally or in writing that you do not want to be contacted on a particular day of the week, a particular holiday or between a certain period.
Yes, unless the debt collector knows or has reason to know that your employer prohibits you from receiving such communications. If you are prohibited from being contacted at work, inform the debt collector and provide an alternate telephone number where you may be contacted to discuss the account.
Send the collection agency a written notice of dispute. If you notify the debt collector of your dispute or request verification of debt within 30 days of receiving the validation notice, the collection agency must stop all communications with you. They may resume contact with you once the verification of the debt is obtained and mailed to you.
You will receive your initial notice of the debt. This is commonly called the validation notice. The following is what is required to be sent to you within five days of the debt collectors first contact: * Amount of the debt * Name of the creditor to whom the debt is owed * Notification that you have 30 days to dispute the debt or the debt will be assumed valid * The debt collector must provide written verification of the debt, including name and address of the original creditor, if different from the current creditor.
Yes, a civil lawsuit may be filed against you in the state where you reside if you fail to pay a debt. If you fail to answer the lawsuit then a default judgment may be entered against you. Once the judgment is obtained against you, you may also be liable for court costs and attorney fees. You should consult with an attorney if you are sued.
When a judgment has been obtained, the creditor can request the court to issue a garnishment writ. They can garnish your bank accounts, savings accounts, as well any non-exempt personal property of yours held by a third party. If sued, consult with an attorney.
Wages can be garnished to pay court-ordered child support, spousal maintenance, defaulted student loans, unpaid taxes and other debts. Federal and state laws offer some protections for certain sources of income.
If you have been contacted by CCMR3 and would like to pay off a debt placed with us to collect, please contact one of our representatives over the phone by calling 1-866-272-4035 on Monday-Friday from 8:00am-6:00pm EST.
If you cannot afford to pay your debt in one payment our representatives will work with you to setup a payment plan. In order to do that please call one of our representatives over the phone by calling 1-866-272-4035 on Monday-Friday from 8:00am-6:00pm EST. CCMR3 will make every attempt to set up a viable payment plan within the constraints given to us by our client.
Proud Associate Member Of:
Preferred collections partner of:
This is an attempt to collect a debt and any information obtained may be used for
New York City Residents:
The New York City Department of Consumer Affairs requires us to document your preferred language. Please note we
do not offer language access services, and we will be communicating in English. Please provide us with your
language preference. The NYC DCA provides a translation and description of commonly-used debt collection terms in
multiple languages on the Department's website, NYC Department of Consumer Affairs.