AboutRay 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 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
Question i have offered to make payments to a creditor, but they state they need half of the payment or they will continue to attempt to garnish my wages. i have been told that they will credit my account but can't guarantee they won't still garnish my wages even though I'm actively making payments. what are my options?
Answer Unfortunately, you have very few options. If they will not agree to smaller payments and your states law allows a certain percentage, there is nothing that I know of that you can do short of paying the debt off. You may want to check with your states Attorney General's office and verify this. Sorry I did not have better news.
