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Collections Law/Debt Verification

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Expert: Ray A Miller - 3/9/2009


Question
I have been told that a debt collector, if asked by the alleged debtor must provide the original credit card application with verifiable signature to verify the debt as well as documentation of purchases with signature.  Is this true and if so, where, can I find this information in writing within the FTC.

I have also been told that Indiana law has stricter  debt verification requirements, but I cannot find specific documents.  I would appreciate any information in order to learn how I can make a debt collector prove the debt belongs to me.  

Answer
The easiest way is contact the FTC and the Attorney General in your state.  I can promise you when the debt collector hears from them, they will send your information.  You can file a complaint on line with both Agencies.

I hope you have found this helpful.

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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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