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.
I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.
Some college ACA Certified Collection Specialist
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.
I enjoy the challenge of staying on top of the industry and contributing back as much as I can. These regulations are subject to change on a daily basis and that captures my interest and keeps me on my toes.
To help consumers understand their rights and responsibilities.
Being turned over to a collection agency is not the end of the world. Do not run from a creditor but toward them and get the matter settled! Successful resolution of a debt can depend on the actions you take in the first 30 days.
You have rights and some agencies do not want you to know what they are. Even though I worked for a collection agency, I feel everyone deserves to be treated fairly and with dignity. Not all agencies play fair and that makes it harder for me to do my job and gives the agencies that play fair a bad name. That is unacceptable and I will do my best to help you deal with these agencies accordingly.
|Robert||03/04/16||10||10||10||I think to ask a question and .....|
|Dave||01/09/16||10||10||10||Thank you Ray, I appreciate your help! .....|
First let me apologize for taking so long to get back to you on this question Bethany. There was a mix up with my email and I didn't receive the first notification. I usually answer the same day. In
You are certainly welcome. The people you are dealing with are the bottom feeders of the industry. If your father does not own any real property that a judgment could be placed against then there is
Hello David. When a debt is charged off it is then considered income and thus, is reported to the IRS on form 1099. Your father is at the age where is probably does not file a return anymore. Unless
Thank you for your question Robert. Just about every civil court has different "rules" concerning this. My best advice to you is to call the Clerk of Court and ask them this question. I have seen some
I am afraid if you do not set up some kind of payment arrangement, the attorney will sue you and obtain a judgment. Once they have the judgment, it is possible for them to garnish your wages for up to
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