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Collections Law/Power of Attorney

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Expert: Ray A Miller - 12/3/2008


Question
If I am working with a debt consolidation company and I have signed a power of attorney.  Are the original creditors required by law to only contact the debt consolidation company?

Answer
Not necessary. Unless you are represented by an actual licensed attorney, the collectors can not, by law (FDCPA), speak with a power of attorney with out your signed authorization to do so.  I would suggest that you send a letter to everyone you owe giving them permission to and requesting that they speak with the debt consolidation company.  Again, they are not required to but they will be much more likely to do so.  

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Ray A Miller

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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