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 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.
