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Question
I have a terminal disease. I owe thousands on credit
cards. I have only a few hundred dollars in the bank,
no property, no will, and no way to pay. What can
the credit card companies do to me? Their interest
rates have kept me poor for years.
I have never advised anyone not to pay their bills and I am not going to start now. Than being said, you need to check with a bankruptcy attorney and look into a type bankruptcy filing that covered credit cards only. Good luck with this, I hope your health improves and Happy New Year.
I gave you a simple answer to a simple question. You have to realize this is a free service. If you want professional advice, pay for it. I have been in this business for 30 years and do not deserve a one for a rating on anything but, so be it. I still wish you the best with your health and this situation and hope you have a great New year.
RAM
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| Rating(1-10) | Knowledgeability = 1 | Clarity of Response = 10 | Politeness = 10 |
| Comment | All I wanted was your opinion concerning a direct question. | ||
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Answers by Expert:
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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