About Ray 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 LIVE IN FLORIDA. MY TAXES ARE OFFSET BECAUSE OF A AAFES/DPP CREDIT CARD I HAD 10 YEARS AGO. IT HAS REACHED ITS STATUE OF LIMITATION AND IS NO LONGER ON MY CREDIT REPORT. FIVE YEARS AGO I TRIED TO MAKE ARRANGEMENT TO PAY WHAT I COULD BUT THE CARD COMPANY SAID IT WASN'T ENOUGH TO KEEP MY ACCOUNT FROM BEING OFFSET. THEY DID TAKE MY TAXES THAT YEAR TO PAY A PORTION OF THE BALANCE WHICH I HAVE A BALANCE OF WHAT I OWED. THREE MONTHS AGO, THE CARD IS NOT ON MY CREDIT REPORTS, I RECEIVE A COLLECTION LETTER SAYING I OWE 3 TIMES OF WHAT I HAD OWED BECAUSE OF INTEREST. ITS NOT ON MY CREDIT REPORT AND IT SEEMS ODD THAT A COLLECTION AGENCY WOULD SEND A LETTER.QUESTION 1 IS EVEN THOUGH THE CARD IS NOT ON MY CREDIT REPORT AND HAS REACHED ITS STATUE OF LIMITATIONS, CAN THEY STILL OFFSET MY TAXES?QUESTION 2 IS CAN THE COLLECTION AGENCY ADD INTEREST OR COLLECT ANYTHING TO A INACTIVE AND CLOSED CARD THAT IS NOT EVEN ON MY CREDIT REPORT AND REACHED ITS STATUE OF LIMITATIONS?
Answer The statute of limitations on debt in Florida puts a time limit on the amount of time you can be sued for a debt.
Oral Contract: 4 years
Written Contract: 5 years
Promissory Note: 5 years
Open-Ended Accounts: 4 years
Above are the SOLs for Florida. My Advice to you is to contact the Florida office of the Attorney General, web site: http://myfloridalegal.com/
and report this company. Also report them to the FTC and the Florida BBB.
If I can be of further assistance please let me know.
