We realize that the evolving health care crisis may present new financial challenges for some of you. We are ready to work with you to find solutions to help get you through this stressful time. We invite our customers to contact us directly to discuss your specific needs. Some general suggestions that may also be helpful: Immediately contact your creditors if you do not think you can pay your bills or make credit card or loan payments on time. Paying your debts late or not at all can result in penalties, interest charges, and damage to your credit score. Your creditors should be able to work with you on a solution, but it is important to contact them as soon as possible and explain your situation. If you have additional concerns or a complaint with a business such as a financial institution or an insurance company, be proactive. First, contact the firm directly. If that does not produce the desired results, you may contact the appropriate federal or state regulatory agency for help or guidance.