Our Team

A Note from Tommy Cooley, Jr.


Credit Business Services, Inc. has proudly served the Bay County, Florida Medical Community with Accounts Receivables Management and Patient Responsibility Collections services, since 1953. After speaking with members of our local medical community, many have shared their post-hurricane concerns regarding the practice’s financial health. To respond to this need, I have assembled a team of experienced billing and collections professionals with focus on optimizing and expediting pay or reimbursements. To help with your practice’s post-hurricane financial recovery, CBS offers to conduct a no-cost audit of your medical practice billing and receivables management process to assess how we might improve Revenue Cycle and Cash Flow.


Medical Revenue Team


Tommy Cooley, Jr.

CB Services leader since 2004 bringing innovation and vision to Management of Medical Practice Economics. Serves local and national practices with full-service A/R Management. Tommy’s innovations include the development of an automated payment plan management system to support collection of vital patient responsibility account balances. CB Service’s membership in ACA and HFMA ensures the highest, ethical standard for service.


Franklin Moses, MBBS

Graduate MBBS degree from Kasturba Medical College. As a trained physician, Franklin’s unique perspective and experience in medical practice administration encompasses finance, operations, marketing, HR, and business development. Franklin’s well-rounded background serves as a basis for providing innovative and fiduciary solutions in medical practice billing and finance so that the provider can focus on their practice of medicine.


Sarah Covington, MBA

Sarah is a dedicated, passionate Healthcare professional with experience as a leader at multiple health systems in support of Revenue Cycle Management. Sarah also serves as a healthcare management instructor, helping to guide the next generation of innovative healthcare industry financial management. As a professional contributor and program volunteer, Sarah’s commitment ensures seamless operations support so providers can focus on patient care.


Wendy Samuels, CPC

20-year Certified Professional Coder (member, AAPC) with expertise in chart audits, compliance safeguards, optimization of physician reimbursement. Experience includes anesthesia, durable medical equipment, general practice, E/M coding & documentation. Wendy educates (10 years) in Medical Billing and Coding and is an advisory board member supporting expansion of the profession. Wendy’s opinion is both sought after and respected.




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