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Collections Law/Tired to make a payment but vendor was not willing to give me a receipt, now they want to place me in collections

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Question
I recently attempted to complete a business transaction for a service. The amount I was suppose to pay for the service was $2500. I was paying with a certified cashier check, however, the business refused to give me a receipt for the check because they wanted to wait until the check cleared. I agreed to provide them with cash but they did not want to accept cash since it was a large sum of money. Needless to say, the transaction was never completed. My question is there a law that stated when money/funds exchange hands that there should be some type of receipt given for proof of payment? Can I be put in collections because I did not want to leave the check?

Answer
Send them the check along with a certified letter, return receipt requested, stating that by cashing the check it would constitute that payment in full had been received.  Then request a copy of the cashiers check from the bank from which it was purchased.

There is no law in Georgia that I know of that states that a receipt must be issued and yes, they can turn you over to a collection agency if the bill remains unpaid.

As a side note, a postal money order might work better than a cashiers check, Good luck with this.

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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

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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