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 What happens when the collector mails the initial communication and it is returned to them by the USPS marked as "Attempted Not Known"? I have seen where courts have held that the debt collector has to show evidence the initial communication was mailed, not rec'd. But what happens in a situation like this where the collector knows it wasn't rec'd?
Answer If they are able to get your correct address, they should send you another "first" notice. Dispute the debt in writing and ask for the letter to be sent to you for your review. This way, your rights will be protected. Should you pay the bill, asked that any entry to your credit file be removed since you did not have the opportunity to ask for verification of the debt.
I just got out of the hospital or I would have answered this sooner.
