Ray A Miller - Collections Law - Corporate Law - Business

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Expert Profile: Ray A Miller

Expertise: I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical and general collections and collection agency related issues. I currently train these subjects at a nationwide collection agency and customer service call center and audit around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 25 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I train our collectors. Even though I work for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Experience in the area
I am 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 currently train, audit and, give feedback to 150 associates and their Managers. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

Organizations
ACA International

Education/Credentials
Some college ACA Certified Collection Specialist

Ask a Question	View Past Answers	View Ratings

What do you like about this subject? 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.

Something controversial or provocative about this subject You have rights some agencies do not want you to know what they are. I feel, even though I work for a collection agency, that 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 agencies like ours a bad name. That is unacceptable and I will do my best to help you deal with these agencies accordingly.

Average Ratings
Prestige Points: 2770
Knowledge	9.85 Best of the best
Clarity of Response	9.83 Best of the best
Timeliness	9.84 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		1
Max Questions to be Asked (in 24 Hour period)		5
Total Questions (since joining AllExperts)		272

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	11/14/08
10	10	10	10	10/30/08
10	10	10	10	10/30/08
10	10	10	10	10/30/08
10	10	10	10	11/11/08

User Comments

I found the review helpful.
(Saasha Kumar on 11/14/08)

Thank you for your response and advice. Your answer was very timely, succinct and helpful.
(Donna on 10/30/08)

I appreciate the promptness
(Jay Cee on 10/30/08)

Thank you for the information! I was happy that i got a response within 24 hours! thanks! Keep it up!
(Aimee L. on 10/30/08)

Thank you for your quick response. The information was very helpful and I will now filed a motion to find his answer a non-response and declared a def
(Roger Sailors on 11/11/08)

View All Comments

Ask a Question	View Past Answers	View Ratings

Recent Answers from Ray A Miller

2008-11-07 Time Limit for Medical Billing?: Sue, I am sorry it has taken so long to get back to you, my computer is in process of dying and I have to take it to the computer hospital. I will try to get your answer to you before the next crash...

2008-11-06 medical bill: Theresa, I am sorry it took so long for me to get back with you. My home computer is in the process of dying. Yes, you can be garnished for a medical bill. However, it is a somewhat drawn out process...

2008-11-05 removing a fraudulent report: Beverly, The first thing your husband wants to do is dispute this item with the credit reporting agencies. Here are there web sites: Experian: http://www.experian.com/disputes/ Equifax: http://www...

2008-11-05 Medical Bill related unethical behavior: Saasha, I found the following regarding recording calls in Massachusetts: From the Massachusetts State Code Mass. Ann. Laws ch. 272 , § 99: It is a crime to record any conversation, whether...

2008-11-04 medical bill: Your best bet at this point would be to check with your states Department of Consumer Affairs and see if there is a legal aid program you can use to get this situation resolved. It appears you have waited...