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 30 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

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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? Start a credit counseling service that offers more than the "dispute and settle" option. To work with clients and help them see a light at the end of the credit tunnel that is not bankruptcy. The web site is coming soon!!

Something interesting about this subject that others may not know: Being turned over to a collection agency is not the end of the world. Your positive results depend on your actions within the first 30 days from receiving the first notice. Do not run from a creditor but toward them and get the matter settled!

Something controversial or provocative about this subject You have rights and 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: 4510
Knowledge	9.90 Best of the best
Clarity of Response	9.83 Best of the best
Timeliness	9.85 Best of the best
Politeness	9.96 Best of the best
Number Of Questions Today (GMT time)		0
Max Questions to be Asked (Per Day, in GMT time)		5
Total Questions (since joining AllExperts)		460

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	03/11/09
10	10	10	10	03/09/09
10	10	10	10	03/05/09
10	10	10	10	03/04/09
10	10	10	10	03/03/09

User Comments

It is helpful to be able to receive advice from a knowledgable person.
(Heidi on 03/11/09)

Very concise and actionable answer. This helps very much. Fast response. Thank you!
(Bill on 03/09/09)

Thank you so much, You have put my husband and my mind at ease. I was pleasantly surprised to get such a clear and quick response.
(Diane LaTorrey on 03/05/09)

Thanks for your advice...............
(Darren on 03/04/09)

Thank you for taking time to answer my question.
(Mike on 03/03/09)

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Recent Answers from Ray A Miller

2009-03-09 Debt Verification: The easiest way is contact the FTC and the Attorney General in your state. I can promise you when the debt collector hears from them, they will send your information. You can file a complaint on line...

2009-03-09 payday loan: Sent a written demand for validation and dispute the debt. According to the FDCPA, they must send this by law. The letter they send you back should serve as an invoice. I hope this helps and I strongly...

2009-03-07 Initial Communication: If they are able to get your correct address, they should send you another "first" notice. Dispute the debt in writing and ask for the letter to be sent to you for your review. This way, your rights...

2009-03-07 settle of default judgement: At this point I would advise that you take the settlement and run. I doubt you can do much better and I have heard of cases where people tried and we asked to pay the full amount. I hope you have found...

2009-03-06 Emergency room bill went to collection > was never notified: If the collection agency has proof they tried to contact you, they can put the on your credit. The only entity that can legally remove this item is the original client. Call the client, or better still...