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 received a payday loan in set and had issues with my bank account and made them aware of it, they then told me it was going to go to collections, a company names i-colledt in which i havent recieved a phone call. now im getting calls from a company named ccrm stating they represent hawiian midland financial, but they refuse to send a invoice so that i can pay the bill. and when i contact the company i got the loan through they insist they only go through i-collect. i have received nasty voicemails from ccrm stating jail and going to court. please advise what to do or what is possible, the company dont have a number for me to contact i-collect.
Answer Sent a written demand for validation and dispute the debt. According to the FDCPA, they must send this by law. The letter they send you back should serve as an invoice.
I hope this helps and I strongly advise you not deal with these bottom of barrel dwellers if at all possible.
