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- Ray A Miller
Collections Law/Expert Profile
Expertise
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.
Organizations
ACA International
Education/Credentials
Some college ACA Certified Collection Specialist
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 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. 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.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| JOANNE AHMADI | 02/08/12 | 10 | 10 | 10 | OUTSTANDING RESPONSE TIME! THANK YOU SO MUCH! ..... |
| Charles | 02/02/12 | 10 | 10 | 10 | Thanks, once again, fast response. helpful info ..... |
| Charles | 02/02/12 | 10 | 10 | 10 | Quick, detailed response. |
| Chris | 01/27/12 | 10 | 10 | 10 | |
| Megan | 01/27/12 | 10 | 10 | 10 | Thank you very much! I will be ..... |
Recent Answers from Ray A Miller
2012-02-08 Medical Bill Dispute:
You can never tell what will hold up in court. Write the doctor a letter telling him/her that you are going to report them to the AMA, Consumer Affairs, the BBB and you states Attorney General. Explain
2012-02-02 collection agency suing me for $2000:
Usually the law firm has purchased the account. If they have deal with them. If not, deal with the collection agency. Either way, if you settle this account, get the release of the balance in writing
2012-02-02 collection agency suing me for $2000:
Once a bill gets to this point, they will usually settle it for around 50%. If you can not afford this, sit down and do a detailed budget showing why you can only pay $200.00 per month and send it to
2012-01-26 credit card collections:
Well, to pay the settlement is the right thing to do but, if you want the calls to stop, send them a certified letter telling them to contact you in writing only. If the calls continue after that, they
2012-01-24 Comcast Billing Dispute:
What a dirty trick. Dispute the debt with them explaining that you never agreed to be the account holder. Report them to the BBB, Consumer Affairs and the Attorney General for your state. Stand your
Answers by Expert:
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