Collections Law/Expert Profile

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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.

Experience in the area

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.


ACA International


Some college ACA Certified Collection Specialist

Past/Present Clients

I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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.

What do you still hope to achieve/learn in this field?

To help consumers understand their rights and responsibilities.

Something interesting about this subject that others may not know:

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.

Something controversial or provocative about this subject

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.

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Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
David04/07/16101010Great expert!
Robert03/04/16101010I think to ask a question and .....
Dave01/09/16101010Thank you Ray, I appreciate your help! .....
Pat10/24/15101010Thank you.

Recent Answers from Ray A Miller

2016-04-21 which state law applies?:

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

2016-04-07 1099 Debt cancellation:

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

2016-04-01 1099 Debt cancellation:

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

2016-03-04 Civil Summons:

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

2016-02-26 Collections from credit card going to lawyer:

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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