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Collections Law/Questions
| Subject | Date Asked | Expert |
| Case 08-2-08432-4 | 6/2/2012 | Ray A Miller |
| Q: Why was I not told about this outstanding bill with CAPITAL ONE. I want to PAY all of my bills. I ... A: I do not really see a question here but if I were you, I would contact Capitol One with the ... | ||
| 13 year old repo garnishment summons | 5/31/2012 | Steve Katz |
| Q: In 1998 I was the co-signer for my now ex husband for a car in Virginia. The car was repossessed in ... A: There are some inconsistencies and missing information in the story you relate. First, were you ... | ||
| Consent Judgement | 5/30/2012 | Michael T. Hertz |
| Q: had my court day for a credit card debt.I initially denied all claims but afterwards just didn't ... A: I think you lucked out -- the homestead exemption is $75,000 in Mississippi (so long as the property ... | ||
| Consent Judgement | 5/30/2012 | Michael T. Hertz |
| Q: had my court day for a credit card debt.I initially denied all claims but afterwards just didn't ... A: That would be a good idea if you can do it. Just tell them that if they press too hard, you have ... | ||
| Consent Judgement | 5/30/2012 | Michael T. Hertz |
| Q: had my court day for a credit card debt.I initially denied all claims but afterwards just didn't ... A: From your description, it would appear that this is a judgment that provides for the $40 a month ... | ||
| Mortgage fraud | 5/28/2012 | Brian Pitcher |
| Q: This situation happened about a year ago. I answered an ad promising to give people with bad credit ... A: Hey Mya, I hate to hear stories like yours. To be honest you should do both. Filing a complaint ... | ||
| 2nd mortgage collections | 5/26/2012 | Ray A Miller |
| Q: I have a 2nd mortgage with gmac for 20,000. I was working with them for a modification and it was a ... A: I would send them the information but attach a letter demanding that you not be contacted at your ... | ||
| Am I liable for 21 year old sons medical bills | 5/23/2012 | Ray A Miller |
| Q: My son owes a lot of money to a hospital for ER visits. He was over 21 when this occurred and signed ... A: NO! Just because you carry insurance on someone does not make you liable for any expenses. The age ... | ||
| Certified Mail | 5/21/2012 | Steve Katz |
| Q: My company is looking to save money and two questions can about. 1. Can we charge the loans for any ... A: No and No. If you are a Debt Collector as defined by Federal Fair Credit Reporting Act then ... | ||
| Misrepresentation of Debt by Creditor on Judgment | 5/18/2012 | Steve Katz |
| Q: I have two judgments filed against me by the same collection agency, and as a result my pay was ... A: Whether you trust them or not is irrelevant. They have a Judgment against you and until they see in ... | ||
| Payday loan Company that was banned from doing business in my state, am I still liable? | 5/17/2012 | Steve Katz |
| Q: I had done business with a payday loan company as a last resort,while I would borrow 500 and then ... A: Your question does not clearly state whether you in fact owe the amount or not. The sale of a loan ... | ||
| Payday online loan | 5/14/2012 | Steve Katz |
| Q: I took out a payday loan in 2010 and got trapped in the cycle, and found I could not pay it back, of ... A: Payday Loan companies are notorious for making this type of threat. Unfortunately, as they are the ... | ||
| collection payday loan | 5/12/2012 | Ray A Miller |
| Q: live in mass. i recently took out some payday loans and was unable to pay back when they ... A: It sounds like they are using scare tactics. The Attorney Generals office would have written you a ... | ||
| collection payday loan | 5/12/2012 | Ray A Miller |
| Q: live in mass. i recently took out some payday loans and was unable to pay back when they ... A: First, pay these bottom feeders off as soon as possible. Next, report the details you have ... | ||
| Wrongfully sent to collections | 5/3/2012 | Ray A Miller |
| Q: I am contacting you in regards to a incident that occurred with my girlfriend, Sarah. She was ... A: Since she did not receive any services, she is not liable for any payment. She should dispute this ... | ||
| Collection/Bad Debit Payment Agreement | 5/1/2012 | Steve Katz |
| Q: I received a letter from an Attorney acting as a Debt Collector. It was for a debt that is 5.5 years ... A: The attorney is simply doing all he can to eliminate any ability you have to fight him in Court. The ... | ||
| wrongful report of judgement | 4/29/2012 | Ray A Miller |
| Q: I am wondering how to approach this suit or if I have a suit to approach. I was managing properties ... A: If you have a letter from the court house stating that this should be removed from your credit, you ... | ||
| Medical collections | 4/28/2012 | Bankruptcy Services |
| Q: A good friend of mine received a summons today, she is being sued for around $500 in unpaid medical ... A: You said that you told her, "I told her that the best thing to do is to appear and plead her case ... | ||
| Commuity propterty debt | 4/27/2012 | Steve Katz |
| Q: After a divorce in AZ, a community property state, can I be liable for my ex spouses credit card ... A: If the debt was incurred before the marriage and is in her name alone then it generally is not ... | ||
| Payday loan collector | 4/26/2012 | Chris Ebert |
| Q: I got a call from a 3rd party collector today stating that I owed them $1400. He said I had a ... A: Cathy, Payday loan collectors tend to be more aggressive than other types of debt collectors. They ... | ||
| Medical bill collection | 4/24/2012 | Ray A Miller |
| Q: I live in Wisconsin.I have paying $50.00 a month to my medical facility for the prenatal care and ... A: The collection agency can and probablly will place this on your credit history. If you have ... | ||
| commercial collections | 4/20/2012 | Steve Katz |
| Q: i had a collector from a company i owe money to tell my employee of the debt and also threat them ... A: Federal Fair Debt Collection Practices Act (FDCPA) protections do not apply to commercial accounts. ... | ||
| "scholarship" payback | 4/20/2012 | Steve Katz |
| Q: In 2001, I signed a "scholarship" agreement for my place of employment to pay for my tuition. In ... A: The Statute of Limitations on a debt to a prior employer would be the same as any other debt in your ... | ||
| Wage garnishment | 4/18/2012 | Michael T. Hertz |
| Q: I have a judgement against me and the debt collector is threatening with a wage garnishment. I am ... A: Wage garnishment is only one means of collecting on a debt. Basically, it is a form of levy made ... | ||
| business owner dealing with non payment. | 4/16/2012 | Chris Ebert |
| Q: I own and operate a mechanic repair shop in Texas, and I am currently dealing with several deliquent ... A: Danni, This is more than we can offer in this type of forum and do you justice. It would be best to ... | ||
| Charge-off and Collection | 4/14/2012 | Ray A Miller |
| Q: I had a credit card account with Columbus Bank and Trust that was charged off back in 2007 while I ... A: They both can report this item on your credit but both should be reporting it as paid in full. ... | ||
| Subrogation/Collections | 4/10/2012 | Chris Ebert |
| Q: I live in Texas and was recently involved in an auto accident that I was found at fault for. I ... A: Kevin, Generally, fighting a subrogation claim is difficult in Texas. If they do not receive ... | ||
| Repercussions of Foreclosure | 4/7/2012 | Brian Pitcher |
| Q: I have made the decision because of various reasons that I will Foreclose on my home. My question is ... A: Hey Scott Sorry for the delay in the response as it was Easter Weekend. Its sounds to me like a ... | ||
| Repercussions of Foreclosure | 4/5/2012 | Brian Pitcher |
| Q: I have made the decision because of various reasons that I will Foreclose on my home. My question is ... A: If you let your home foreclose, the lender can either sue you for the difference or they can forgive ... | ||
| Statute of Limitations on Credit Card Debt | 4/2/2012 | Ray A Miller |
| Q: I get collections letters from LTD Financial about settling an outstanding debt. This seems to stem ... A: The only way to restart the clock is to make a payment. They can sell the account again and again ... | ||
| Statute of Limitations on Credit Card Debt | 4/1/2012 | Ray A Miller |
| Q: I get collections letters from LTD Financial about settling an outstanding debt. This seems to stem ... A: The statute of limitations in NJ on a credit card debt is 6 years. After 7 years this account is ... | ||
| Being sued for medical bills that i'm currently making payments on. | 4/1/2012 | Steve Katz |
| Q: My question is Can the original debtor still sue me for hospital bills that I'm currently making ... A: Can they? They are. I have a feeling one of two things is happening: 1: Either the hospital ... | ||
| Can creditors touch a safe deposit box? | 4/1/2012 | Bankruptcy Services |
| Q: I have minor credit issues and I thought no one can go into anyones ssfe deposit box? Is thos true? ... A: Not necessarily. It is possible that if a creditor obtained a judgment against you, and then, ... | ||
| collection agency | 3/31/2012 | Michael T. Hertz |
| Q: I got behind on a retail credit card and before it went to over 90 days I called them and requested ... A: It doesn't sound normal. Furthermore, if you made an agreement to pay a specific sum and you ... | ||
| Debt Question | 3/27/2012 | Michael T. Hertz |
| Q: by pure luck I run my credit report a month ago and I was surprised to found in the public record ... A: This is a complex situation legally, and I need to know these facts: 1. When was the last time a ... | ||
| Debt Question | 3/27/2012 | Michael T. Hertz |
| Q: by pure luck I run my credit report a month ago and I was surprised to found in the public record ... A: I suppose my first question is whether you were properly served with the original complaint that ... | ||
| medical billing | 3/23/2012 | Ray A Miller |
| Q: I was unaware that I medical bill that was back in 2005 and until recently I was informed that I ... A: The only thing I can suggest is that you call the doctor's office and throw yourself on their mercy. ... | ||
| line of credit -collections debt | 3/16/2012 | Ray A Miller |
| Q: One for 25,000 and one for 17,000. Both of these are personal unsecured lines of credits under my ... A: The best thing you can do is stay in touch with them and try to set up a repayment plan satisfactory ... | ||
| Unsecured line of credit debt | 3/16/2012 | Chris Ebert |
| Q: One for 25,000 and one for 17,000. Both of these are personal unsecured lines of credits under my ... A: Trina, It is been my experience that credit unions in Texas are more aggressive in collecting ... | ||
| Collection suit | 3/15/2012 | Steve Katz |
| Q: I was served papers on a old credit card debt. Citi bank sent me a 1099-c for 36,000 back in '09. ... A: You have two possible defenses here - one is that the debt has already been forgiven and you in fact ... | ||
Collections Law
Answers by Expert:
Ray A Miller
Top Expert on this page
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
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
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