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Ray A Miller

I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Gary Lee Gammenthaler

Collections Law, Fair Debt Practices Act, Fair Credit Reporting Act, Credit Repair Organizations Act, Bankruptcy Law,etc.

Bankruptcy Services

If you have been served with a summons and complaint, I can answer questions about what your options are and what you can expect to occur.

Steve Katz

Debt Collection, Credit Reporting, FCRA, FDCPA, TCPA issues

Michael T. Hertz

I can answer most questions concerning bankruptcy, whether business or personal, including questions by debtors, creditors, persons interested in purchasing assets from bankruptcy estates, and the like. Also have expertise in tort law, French and Canadian law.

Brian Pitcher

I can answer all questions related to Residential Real Estate. In particular I am an expert in the loss mitigation side. I meet with multiple homeowner on a weekly basis and guide them through the issues of being upside down on their mortgage and what they can do to better it. I can answer questions on Loan Modifications, Short Sale, Foreclosure, Strategic Default, Deed in Lieu. I can also answer questions on the buyer/investor side of things in regards to homeownership or home flipping. I can also answer questions regarding the 1099C or cancellation of debt that homeowners get from a short sale or a foreclosure.

Chris Ebert

I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations.

Recent Answers

2016-11-06 When:

Here is an article that may be of some help.   My initial impression is that you are overly concerned with the threat of recoupment of medicare costs by the federal government.    First of all, since the

2016-11-06 When a:

this is not a serious question.   the person asking the question keeps asking the same question and does not appear to want an answer, but is instead merely playing with the computer.    also, the question

2016-11-06 When a person:

Your question is about Medicare and deals with rights that come into effect at age 65.  Therefore, I shall answer with respect to Medicare and not Medicaid (which is an entirely different program). Medicaid

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