#bankruptcy attorney in tacoma

[kevingbyrd]

When financial challenges become overwhelming, having a reliable bankruptcy lawyer in Tacoma can make all the difference. At Kevin G. Byrd, Attorney & Counselor At Law, we understand the complexities of bankruptcy law and are dedicated to providing you with the support and guidance you need. 

[tacomabankruptcyattorney]

Tacoma Chapter 7 Bankruptcy Attorneys

If you are in financial distress and want bankruptcy protection then read this infographic to learn about chapter 7 bankruptcy. For legal advice and assistance on your bankruptcy options, call Northwest Debt Relief Law Firm at 253-343-1944 and speak with one of our experienced Tacoma chapter 7 bankruptcy lawyer.

[seattlebankruptcyattorney-blog]

Are you looking for affordable solutions to debt problems? Visit here and know about our Northwest Debt Relief Law Firm, a bankruptcy attorney in Seattle WA. You can also visit us in Vancouver, Portland, Tacoma or Sandy for a consultation.

[hvancouve]

Rapid City, South Dakota Credit Repair | (888) 630-5917

http://repaircreditfile.travel.blog/fishers-indiana-credit-repair-888-630-5917/

Rapid City, South Dakota Free Credit Repair Counseling call (888) 630-5917 remove bankruptcy, free consumer report, fix bad credit, check your annual Equifax, TransUnion, Experian credit report. Under the Fair Credit Reporting Act, both the credit reporting company and the credit bureau are responsible for correcting inaccurate or incomplete information in your credit report. To take advantage of all your rights under this law, get free consumer credit repair counseling at (888) 630-5917. If you are like 70% of Rapid City, South Dakota residents that have less than perfect credit, you’re sure to be interested in the truth about credit repair. If there were a legitimate alternative to seven years of credit denial, that alternative could mean early parole from the bad credit prison. What does the law say about repairing your credit? As the credit bureaus computerized their processes and greatly expanded their reach and influence in the late 1960s and early 1970s, consumer complaints began to pile up at the FTC and state attorney generals’ offices. The credit reporting agencies quickly became huge bureaucracies second only in size to the federal government. Yet, the credit bureaus expressly served only the needs of their clients, the credit grantors.

    https://www.youtube.com/channel/UCqq72TLlYmcYrLHkfA8JIaw/about

  http://postalmailboxonline.home.blog/2019/12/01/new-bethlehem-pennsylvania-postal-mail-online-virtual-post-mail-virtual-mailbox/

  http://postalmailboxonline.home.blog/2019/12/12/weeping-water-nebraska-postal-mail-online-virtual-post-mail-virtual-mailbox/

  https://creditrepairunitedstates.blogspot.com/p/steele-alabama-credit-repair-888-630.html

  https://postalmailbox.wordpress.com/olsburg-kansas-virtual-mailbox-service/

  https://unitedstatesconsumercreditcounseling.blogspot.com/p/elliott-mississippi-consumer-credit.html

  http://postmailvirtualofficebusiness.wordpress.com/mcadenville-north-carolina-postal-mail-online-virtual-post-mail-virtual-mailbox/

  https://alabamavirtualmailbox.blogspot.com/p/lake-st-croix-beach-minnesota-postal.html

  https://texascreditcounseling.blogspot.com/p/carlisle-texas-consumer-credit.html

  https://texascreditcounseling.blogspot.com/p/steep-hollow-texas-consumer-credit.html

  http://californiacreditrepaircompany.business.blog/sequoia-california-credit-repair-888-630-5917/

  http://floridarepaircreditcards.car.blog/rapid-city-south-dakota-consumer-credit-counseling-service-800-254-4100/

  https://floridaconsumercreditdebtcounseling.blogspot.com/p/tacoma-washington-consumer-credit.html

  https://unitedstatescreditrepair.blogspot.com/p/rapid-city-south-dakota-credit-repair.html

    https://www.youtube.com/playlist?list=PL-B7IfFWtv9KuMsnckXQFI99Eza8JfPTA

  http://www.tunesbaby.com/yt/?x=Lay0eZb5JBo

  https://youtu.be/Lay0eZb5JBo

  from https://youtu.be/GuUaaPaTlyY March 05, 2020 at 06:15AM

[zoverhaul]

[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Tacoma, Washington Consumer Credit Counseling Service | (888) 551-1270

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions.

Tacoma, Washington Consumer Credit Counseling Service | (888) 551-1270

Tuesday 30 April 2019 09:03 PM UTC-05 | Tags: consumer-credit-counseling

Tacoma, Washington Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Tacoma, Washington Credit counseling (888) 551-1270 starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor's ability to pay. Consumer credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Tacoma, Washington Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Tacoma, Washington, individuals filing Chapter 13 bankruptcy are required to receive credit counseling from a designated credit counseling agency.

  https://washingtoncreditcounseling.blogspot.com/p/tacoma-washington-consumer-credit.html

    https://www.youtube.com/watch?v=etOf-xvcchI&t=3s

    https://www.youtube.com/channel/UCtiK2XJRJAmn6n0BnG-l00A/about

    https://www.youtube.com/channel/UCR-H3sZEVWxI1qLZNFh_9vw/about

    https://www.youtube.com/watch?v=m1O27kz4fJE

  Copyright © 1992 Privacy Policy.

Tags:

consumer-credit-counseling

from [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Tacoma, Washington Consumer Credit Counseling Service | (888) 551-1270 via [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Tacoma, Washington Consumer Credit Counseling Service | (888) 551-1270 April 30, 2019 at 10:34PM Copyright © April 30, 2019 at 10:34PM

[washingtonfreshstart-blog]

Washington Fresh Start

Anyone who is under an unmanageable amount of debt can benefit from the counsel of an experienced Tacoma bankruptcy lawyer. Washington Fresh Start is managed by Attorney David Yando, who has more than 30 years of hands-on experience with bankruptcy and debt relief. Our mission is to help clients get back on solid financial ground. We do this by providing comprehensive counsel and helping clients understand exactly what options are available to them. With such advice, clients can then decide whether or not bankruptcy is the best decision for them. If you are asking whether bankruptcy right for you, then you can benefit from a free case evaluation with our firm.

Address:  2115 N 30th St #204, Tacoma, WA 98403

Phone Number:  (253) 284-9909

Social Media Profiles:

Facebook

G+

Wordpress

Gravatar

Blogger

Weebly

Pinterest

Medium

Vimeo

500px

Instapaper

Getpocket

[rafalgorskilaw]

Bankruptcy Attorney in Tacoma, Lakewood & Puyallup WA - http://www.rafalgorskilaw.com/bankruptcy-law-2/ - Rafal Gorski Attorney At Law offers legal representation from a trusted bankruptcy lawyer for a variety of bankruptcy cases in Puyallup, WA, Lakewood, WA and Tacoma, WA. Contact Us: Rafal Gorski, Attorney At Law 10116 36th Ave Ct Sw Ste 206, Lakewood, WA. 98498 253-583-9323 gorskirafal@hotmail.com

[kevingbyrd]

Facing financial challenges? Consult Kevin G. Byrd, a trusted bankruptcy attorney in Lakewood, WA. Get personalized guidance and find the best solution to regain control of your finances.

[jamesajoneslaw]

When it comes to dealing with estates and the legal process known as “probate,” it’s common for people to feel overwhelmed. However, there’s good news: With the right guidance and strategies, the probate process doesn’t have to be as complex as you might think. At James A. Jones Attorney At Law, a trusted legal firm focused on estate planning and bankruptcy, we’re here to show you ways to avoid probate the right way.

[tacomabankruptcyattorney]

Chapter 13 Bankruptcy Attorney Tacoma

If you are filing bankruptcy in Tacoma, read this infographic to learn about how does chapter 13 bankruptcy work and know how our bankruptcy attorney in Tacoma can help you. For more information call us at 253-343-1944.

[selatentp]

Coleta, Illinois Consumer Credit Counseling Service | (888) 551-1270

https://youtu.be/mUP5xbVQ10o

Coleta, Illinois Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Coleta, Illinois Credit counseling (888) 551-1270 starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor’s ability to pay. Credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Coleta, Illinois Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Coleta, Illinois individuals filing Chapter 13 bankruptcy are required to receive counseling from a designated credit counseling agency.

    http://www.tunesbaby.com/yt/?x=mUP5xbVQ10o   http://youtuberepeater.com/watch?v=mUP5xbVQ10o   https://consumercreditcounselingserviceusa.blogspot.com/p/tacoma-washington-consumer-credit_22.html   http://creditcounselingconsumer.home.blog/corpus-christi-texas-consumer-credit-counseling-service-888-551-1270-2/  

from Coleta, Illinois Consumer Credit Counseling Service | (888) 551-1270 via Coleta, Illinois Consumer Credit Counseling Service | (888) 551-1270 October 31, 2019 at 01:12AM Copyright © October 31, 2019 at 01:12AM

[alaskacreditrepair]

Cedar, Michigan Consumer Credit Counseling Service | (888) 551-1270

https://youtu.be/jIzKUt2y0A0

Cedar, Michigan Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Cedar, Michigan Credit counseling (888) 551-1270 starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor’s ability to pay. Credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Cedar, Michigan Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Cedar, Michigan individuals filing Chapter 13 bankruptcy are required to receive counseling from a designated credit counseling agency.

    http://www.tunesbaby.com/yt/?x=jIzKUt2y0A0   https://loopvideos.com/jIzKUt2y0A0   https://consumercreditcounselingserviceusa.blogspot.com/p/santa-barbara-california-consumer_22.html   http://creditcounselingconsumer.home.blog/tacoma-washington-consumer-credit-counseling-service-888-551-1270-2/  

from Cedar, Michigan Consumer Credit Counseling Service | (888) 551-1270 via Cedar, Michigan Consumer Credit Counseling Service | (888) 551-1270 October 16, 2019 at 09:52PM Copyright © October 16, 2019 at 09:52PM

[dinafbrownil]

Patients Eligible For Charity Care Instead Get Big Bills

When Ashley Pintos went to the emergency room of St. Joseph Medical Center in Tacoma, Wash., in 2016, with a sharp pain in her abdomen and no insurance, a representative demanded a $500 deposit before treating her.

“She said, ‘Do you have $200?’ I said no,” recalled Pintos, who then earned less than $30,000 at a company that made holsters for police. “She said, ‘Do you have $100?’ They were not quiet about me not having money.” But Pintos, a single mom with two kids who is now 29, told state officials St. Joseph never gave her a financial aid application form, even after she asked.

Pintos said she was examined and discharged with instructions to buy an over-the-counter pain medication. Then St. Joseph sent her a bill for $839. When she couldn’t pay, the hospital referred the bill to a collection agency, which she said damaged her credit and resulted in a higher interest rate when she applied for a mortgage.

St. Joseph denied erecting barriers to charity care. But the hospital’s owner settled a lawsuit from the state attorney general earlier this year alleging such practices and agreed to pay more than $22 million in refunds and debt forgiveness.

When Ashley Pintos sought emergency care at St. Joseph Medical Center in Tacoma, Wash., in 2016, an employee first demanded a $500 deposit, which Pintos couldn’t cover. After she was examined, Pintos was told by a doctor to buy an over-the-counter pain medication. The hospital later billed her for $839. “They were not quiet about me not having money,” she says.(Dan DeLong for KHN)

Under the Affordable Care Act, nonprofit hospitals like St. Joseph are required to provide free or discounted care to patients of meager incomes — or risk losing their tax-exempt status. These price breaks can help people avoid financial catastrophe.

And yet nearly half — 45% — of nonprofit hospital organizations are routinely sending medical bills to patients whose incomes are low enough to qualify for charity care, according to a Kaiser Health News analysis of reports the nonprofits submit annually to the Internal Revenue Service. Those 1,134 organizations operate 1,651 hospitals.

Together, they estimated they had given up collecting $2.7 billion in bills sent to patients who probably would have qualified for financial assistance under the hospitals’ own policies if they had filled out the applications.

These written-off bills, known as bad debt, represented a tenth of all nonprofit hospital bad debt reported to the IRS in either 2017 or the most recent year for which data is available. That sum may represent an undercount because it is based on self-reported estimates from hospitals and is not independently audited. And it does not include money that financially struggling patients eventually paid.

“People, including me, had the impression that these new protections under the ACA would prevent people who should be getting help from being financially devastated,” said Sayeh Nikpay, an assistant health policy professor at Vanderbilt University School of Medicine. “Clearly, this policy isn’t working, and that’s a major failing.”

Email Sign-Up

Subscribe to KHN’s free Morning Briefing.

Sign Up

Please confirm your email address below:

Sign Up

About 56% of American community hospitals have nonprofit status, which frees them of paying most taxes and allows them to float tax-exempt bonds. In return, they are supposed to provide community benefits including free or discounted care for patients who can’t afford to pay.

The IRS leaves it up to each hospital to decide the qualifying criteria. A comparatively generous hospital may give free care to people earning less than twice the federal poverty level — around $25,000 for an individual and $50,000 for a family of four — and may provide discounts for people earning up to double that.

For those who do not qualify, hospitals often offer payment plans. But they can turn to aggressive tactics if bills are not resolved. Patients can be pestered by debt collectors, and some hospitals sue them or try to garnish their wages. Medical debt can damage credit ratings — one study calculated Americans had $81 billion in collections in 2016 — and forces some people into bankruptcy.

When hospitals give up on collecting a bill, they categorize it as bad debt and absorb the cost of the care, which is indirectly subsidized by the rates they charge private insurers.

It became this moneymaking system. People would be crying at registration desks, people would be upset, people would walk out.

Rachael Murphy, a former St. Joseph’s Medical Center employee

Charity Options Often Thwarted

In 2017, BJC HealthCare, a large St. Louis-based system, estimated $77 million of its $134 million in bad debt was owed by patients who probably would have qualified for free or discounted care.

Hospitals now owned by Ballad Health, in Tennessee, estimated that $60 million of bad debt in 2016, or 70%, came from patients who might have been eligible for help.

The Hospital of the University of Pennsylvania said $43 million of its bad debt, or 52%, might have involved patients who could have been excused in 2016 from being billed.

While some hospitals say they write off the debt of poor patients without ever resorting to collection measures, several hospitals whose practices were highlighted in news reports this year for aggressively suing patients admitted to the IRS they knew many unpaid bills might have been averted through their financial assistance policies.

A quarter of bad debt at Mary Washington Healthcare, which sued so many patients that a Virginia court convened special sessions to hear the cases, involved candidates for free or discounted care, according to its IRS filing.

So did half of the bad debt at Methodist Le Bonheur Healthcare in Memphis, called out by news organizations for frequently garnishing wages, its filing said.

CHI Franciscan, which owns St. Joseph, said in multiple IRS filings that none of its bad debt arose from billing indigent patients. While Franciscan admitted no wrongdoing in its settlement with the Washington attorney general, the agreement bars the practice of discouraging charity care in the ways alleged in the lawsuit.

Charity care requests at St. Joseph’s Medical Center in Tacoma, Wash., required so much documentation that half of the requests were rejected, the state attorney general argued in a lawsuit against the hospital. The hospital agreed this year to provide refunds and debt forgiveness to thousands of patients.(Dan DeLong for KHN)

“We are exceeding the requirements of state law and providing charity care compensation to patients who may be in most need, even if they never applied for charity care or did not actually qualify at the time of service,” Cary Evans, a Franciscan spokesman, said in a statement. Franciscan declined to discuss individual patients.

According to the lawsuit and interviews with former employees, St. Joseph’s workers were told never to voluntarily offer patients a charity care application. If asked for one, they were instructed to insist on a deposit at least three times. Even when submitted, applications required so much documentation that half of the requests were rejected, the lawsuit alleged.

Internal hospital training documents the attorney general submitted as part of the case showed that St. Joseph workers were advised on how to best collect money from patients before they left the hospital. Instead of saying, “Can you pay today?” employees were told to use phrases like “How would you like to pay for that today? Cash, check or credit card?” according to the documents.

“It became this moneymaking system,” Rachael Murphy, a former employee, recalled in an interview. “People would be crying at registration desks, people would be upset, people would walk out.”

Pintos, who signed a written statement for the attorney general and was listed as a potential witness in the case, said the hospital never gave her an application even though she had qualified for charity care the previous year. “They made me feel like I wasn’t good enough to be there,” she said.

St. Joseph recently erased the $839 debt from her credit, but Pintos still owes $1,611 for care from the ER doctors, who have their own practice group and do not have to follow the hospital’s charity care policies, according to Franciscan. That bill remains in collections.

‘A Gap In Trust’

Nonprofit hospitals provide roughly $14 billion worth of charity care a year, about 2% of their operating costs. But their policies can have notable exemptions, such as excluding bills from doctors who are not on the hospital payrolls.

However, information about hospital charity care, often included in the reams of admissions documents or posted on hospital walls, can easily get overlooked by patients and families focused on medical emergencies.

“The signage might be a little hard to find, applications are complicated, documentation is complicated,” said Keith Hearle, a consultant who advised the IRS on collecting hospitals’ charity care data. “You could probably come up with 15 reasons people didn’t apply.”

In their IRS filings explaining the bad debt and in interviews, hospitals said that even when they give applications to patients, some fail to submit them or do not provide complete records of their finances, which can include tax returns and bank statements.

“There is a gap in trust where our patients must not believe that if they are willing to share information, that it will be to their benefit,” said June McAllister Fowler, a spokeswoman for BJC HealthCare.

(Story continues below.)

( function() { var func = function() { var iframe = document.getElementById('wpcom-iframe-6f48baf95ed36490a9f822390ae56571') if ( iframe ) { iframe.onload = function() { iframe.contentWindow.postMessage( { 'msg_type': 'poll_size', 'frame_id': 'wpcom-iframe-6f48baf95ed36490a9f822390ae56571' }, "https:\/\/embeds.kff.org" ); } } // Autosize iframe var funcSizeResponse = function( e ) { var origin = document.createElement( 'a' ); origin.href = e.origin; // Verify message origin if ( 'embeds.kff.org' !== origin.host ) return; // Verify message is in a format we expect if ( 'object' !== typeof e.data || undefined === e.data.msg_type ) return; switch ( e.data.msg_type ) { case 'poll_size:response': var iframe = document.getElementById( e.data._request.frame_id ); if ( iframe && '' === iframe.width ) iframe.width = '100%'; if ( iframe && '' === iframe.height ) iframe.height = parseInt( e.data.height ); return; default: return; } } if ( 'function' === typeof window.addEventListener ) { window.addEventListener( 'message', funcSizeResponse, false ); } else if ( 'function' === typeof window.attachEvent ) { window.attachEvent( 'onmessage', funcSizeResponse ); } } if (document.readyState === 'complete') { func.apply(); /* compat for infinite scroll */ } else if ( document.addEventListener ) { document.addEventListener( 'DOMContentLoaded', func, false ); } else if ( document.attachEvent ) { document.attachEvent( 'onreadystatechange', func ); } } )();

Shana Tate, senior vice president of revenue cycle at Ballad Health, said Ballad is looking to be more proactive.

“We made the assumption that, ‘We give you the information. What more do you need?’ But we realize a lot of patients don’t read it, don’t pay attention,” Tate said. “They need someone to hold their hand through this process.”

Methodist Le Bonheur, which erased more than 6,000 unpaid bills last month, said it is “increasing access to financial assistance information upfront and throughout the patient care journey” and “enhancing the screening process.”

Penn Medicine said that, as a safety-net hospital system, it has many patients who are poor or coping with other problems. These people, Penn said, face “barriers to completing the process for aid” and their bills are typically “left unpaid.”

Mary Washington did not respond to requests for comment, but after critical news reports last June it announced that it was suspending its lawsuits over unpaid bills and reevaluating its practices.

Laurie Jinkins, a state representative from Tacoma and author of legislation to strengthen Washington’s charity care laws, said, “The drive for dollars in the health care system, and the drive for dollars to expand, causes our nonprofit health systems to lose sight of why they’re actually here.” She said St. Joseph had “really gone off the deep end” in its focus on money.

St. Joseph’s practices hark back years, according to the attorney general’s lawsuit and interviews with employees and patients.

After Alisha Colyer’s husband went to the St. Joseph emergency room with pneumonia in 2007, she said, she tried to apply for help, but the charity care application “was like a book you had to fill out.”

“I remember them asking me what make and model my car was, and I was like, ‘You want me to sell my car to pay my hospital bill?’ ” recalled Colyer, who now works at the hospital as a dietary aide.

When Alisha Colyer applied for St. Joseph Medical Center’s charity care around 2007, she remembers them asking what make and model her car was. “And I was like, ‘You want me to sell my car to pay my hospital bill?’”(Dan DeLong for KHN)

In a statement, Franciscan noted that St. Joseph and its other hospitals now use a simplified two-page application designed by the state hospital association and have agreed to make charity care easier to obtain. It also offers free care for medically necessary services to patients earning up to three times the poverty level, which is more than most hospitals do.

It is too early to assess how the policy changes translate into results. The most recent Washington state analysis, for 2017, found St. Joseph lagged behind the regional average in the amount of charity care it provided.

KHN data editor Elizabeth Lucas contributed to this report.

METHODOLOGY

Bad debt figures were derived from the IRS 990 tax returns filed electronically by nonprofit hospital organizations. That information was downloaded in data form from the IRS website on May 7, 2019, by Jacob Fenton, an independent consultant, and analyzed by Kaiser Health News. Returns that included Schedule H, which only hospital-owning nonprofits must file, were analyzed.

For each organization identification number, we selected the return with the most recent tax period end date. In case of duplicates such as amended returns, only the return with the most recent end date and the most recent signature filing date was selected. Because there were still a few duplicates, the one with the largest unique return identifier was selected. The most recent tax returns for 2,508 nonprofits were identified.

Organizations must report their bad debt — bills they have given up on collecting — and, separately, estimate the bad debt “that reasonably is attributable to patients who likely would qualify for financial assistance under the hospital’s financial assistance policy … but for whom insufficient information was obtained to determine their eligibility.” Generally, both figures are greater than the actual cost of providing the services: They are the amount the hospital expected to be paid. For our analysis, we calculated the percentage of bad debt that the organization attributed to patients who might qualify for financial assistance.

A handful of bad debt figures were reported as negative numbers. Those were converted to positives. The amounts were not significant enough to substantially affect aggregates or the analysis’s conclusions.

from Updates By Dina https://khn.org/news/patients-eligible-for-charity-care-instead-get-big-bills/