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Collections Law/Questions
| Subject | Date Asked | Expert |
| Unmarked charges | 12/19/2011 | Steve Katz |
| Q: I work at a dance studio where the people on staff have to take required classes in order to stay on ... A: So you are not employees, you are customers who think you are employees. Not a bad racket - the ... | ||
| late payment | 12/17/2011 | Michael T. Hertz |
| Q: We live in senior's housing and pay a utility bill of about $29 per mo. Every month we pay it. Last ... A: I'm not sure if this is a private housing situation or something through a government agency. But ... | ||
| Unmarked charges | 12/17/2011 | Steve Katz |
| Q: I work at a dance studio where the people on staff have to take required classes in order to stay on ... A: It certainly sounds like there are some very unethical things going on here if the owner of the ... | ||
| unauthorized ach by property management | 12/16/2011 | Michael T. Hertz |
| Q: I recently ended my relationship with my previous property management company due to the ... A: I don't know Texas law, but it's doubtful that they could do small claims against someone who isn't ... | ||
| Old Medical Bill | 12/15/2011 | Ray A Miller |
| Q: I am trying to find out if I am liable for a medical bill that has a date of service of 2/2006 and ... A: The first thing I would do is call the doctor's office and see what took so long for you to be ... | ||
| Bank Auction | 12/13/2011 | Bankruptcy Services |
| Q: I have a fairly simple question and I'm sure you can help me out. What do they call those auctions ... A: Although there may be some variance from state to state, the generic term is a probate sale or an ... | ||
| Tax leins | 12/13/2011 | Steve Katz |
| Q: I have had two different tax leins placed on my home for my failure to go to court. I am ... A: Whether you lose your home in a BK depends on several factors, one of which is your State Statutory ... | ||
| Deliquent bill | 12/12/2011 | Chris Ebert |
| Q: I cancel directv service. They sent me a final bill and now sent another bill saying I owe them for ... A: Erin, Whether or not you remember ordering it, I would contact the creditor to work this out. You ... | ||
| unauthorized ach by property management | 12/11/2011 | Michael T. Hertz |
| Q: I recently ended my relationship with my previous property management company due to the ... A: In order for the bank to take money out of your account, it had to have authority to do so. So ask ... | ||
| unauthorized ach by property management | 12/11/2011 | Michael T. Hertz |
| Q: I recently ended my relationship with my previous property management company due to the ... A: You need to get a copy of the ACH authorization given to the property management co. to see whether ... | ||
| ambulance response bill | 12/10/2011 | Steve Katz |
| Q: I was hit from behind while waiting at a red light, pretty much destroying both cars. The cops and ... A: Is it legal? That depends on the laws of your State. Regardless, if you ARE forced to pay them that ... | ||
| collection | 12/9/2011 | Ray A Miller |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to mail carriers, ... A: Calling someone at work is risky. Since you are a first party collector you can call at work but ... | ||
| Collection Laws | 12/7/2011 | Steve Katz |
| Q: I settled a credit card debt with my bank and was told by two of their representatives that it would ... A: Federal Fair Debt Collection Practices Act (FDCPA) only applies to third party collectors, so if you ... | ||
| collection | 12/4/2011 | Brian Pitcher |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to rural mail carriers- ... A: Hey there Dick, Lets see how I can help you best. Collecting money from someone that owes it to you ... | ||
| collection | 12/4/2011 | Ray A Miller |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to mail carriers, ... A: Before you can do anything, you will have to take her to court and get a judgement. North Carolina ... | ||
| Medical Billing Years Later | 11/30/2011 | Ray A Miller |
| Q: I live in Florida and saw a doctor on 11/29/07. Services were performed on this day. I just ... A: If you gave your doctor's office your insurance information at the time of service, they should have ... | ||
| Judgement proof? | 11/29/2011 | Ray A Miller |
| Q: My wife is set for a day in court next week, Forster & Garbus sueing her for an unpaid Sears ... A: New York is not a community property state so, if she has nothing in her name nor is working, she ... | ||
| Medical Debt California - negotiations & statute of limitations | 11/21/2011 | Chris Ebert |
| Q: My credit report shows a medical debt from 2007. It is my understanding that in California that the ... A: Charles, I believe the statute of limitations of when they can sue you has passed according your ... | ||
| being sued by BA cc default | 11/20/2011 | Steve Katz |
| Q: I was called at work today from a collection agency. Chase has been aggressively trying to locate ... A: If the attorney for Chase works for the collection department of your employer and you don't want to ... | ||
| Arbritration | 11/16/2011 | Ray A Miller |
| Q: I receive a phone call at my place of business asking where they can serve me? they have been unable ... A: Chase or someone they have sold the account to is trying to sue you over the balance. An ... | ||
| Arbritration | 11/15/2011 | Bankruptcy Services |
| Q: I receive a phone call at my place of business asking where they can serve me? they have been unable ... A: Based on what you describe, you need to take action on this as soon as possible or they will get a ... | ||
| being sued by Chase CCdebt | 11/15/2011 | Steve Katz |
| Q: I was called at work today from a collection agency. Chase has been aggressively trying to locate ... A: They are persistent, I will give them that. If they are ready to serve you in AZ the summons must ... | ||
| old collection | 11/12/2011 | Ray A Miller |
| Q: .in 2004, my girlfriend was renting a trailer in wisconsin. she was making payments on time. after ... A: You are right, Greentree is awful. The statute of limitations in TN is 6 years. What this means ... | ||
| collections | 11/12/2011 | Ray A Miller |
| Q: I just received a phone call from an attorneys office wanting to collect on an emergency physicians ... A: Yes you can be sued for a medical debt. My suggestion is that you contact the ER Phy group and see ... | ||
| being sued by Chase CCdebt | 11/11/2011 | Steve Katz |
| Q: I was called at work today from a collection agency. Chase has been aggressively trying to locate ... A: How did they get your new job location after only one week? Their skip tracers seem to be incredibly ... | ||
| arbitration hearing | 11/8/2011 | Bankruptcy Services |
| Q: I have an arbitration hearing in December. Scenario: junk buyer of cc debt trying to sue me. ... A: I just received your message. This would be much easier to talk about on the telephone because ... | ||
| Judgement | 11/7/2011 | Ray A Miller |
| Q: Last Nov. 2010 I received a summons from an attorney concerning a medical bill I received. I called ... A: My first question to you is do you have something in writing stating that you have a payment ... | ||
| In-law Debt | 11/7/2011 | Michael T. Hertz |
| Q: Mr. Hertz: My in-laws are way over their heads in credit card debt. They live in a manufactured ... A: Probably bankruptcy is the only option. You didn't mention where they live, and that will affect ... | ||
| Adversary Proceedings | 11/6/2011 | Michael T. Hertz |
| Q: Does an adversary Prodeeding Judgement stay in force if a Chapter 13 is dismissed? A: Normally, it should. The court had jurisdiction when it rendered the decision and the fact that the ... | ||
| Question on Debt Collection | 11/5/2011 | Steve Katz |
| Q: In other words, I pay off ALL my bills and credit cards each month in full, allowing no fees to ... A: You have to judge what is more important to you - principle or $12.50 Do you have to pay the late ... | ||
| Non Payment of Bill from UPS | 11/3/2011 | Chris Ebert |
| Q: I live in California right now. I received exercise eqpt. merchandise from a merchant in ... A: Mr. Chan, If you ignore any bill and do not resolve it with the original creditor they may opt to ... | ||
| Tax leins | 11/2/2011 | Steve Katz |
| Q: I have had two different tax leins placed on my home for my failure to go to court. I am ... A: Unfortunately, the time to fight a lien is before it is in place, and the time to fight a Judgment ... | ||
| How statute works after 6 yrs? | 10/28/2011 | Ray A Miller |
| Q: My fiancé & I are planning to buy a house soon. He hasn't seen his credit report in a decade. Now on ... A: Unless he has a cancelled check or a letter from the agency showing it was paid in full, I am afraid ... | ||
| How statute works after 6 yrs? | 10/28/2011 | Ray A Miller |
| Q: My fiancé & I are planning to buy a house soon. He hasn't seen his credit report in a decade. Now on ... A: a couple of times, to different agencies and evidently, the account number has been reassigned. A ... | ||
| Imaging/doctors office/hospital Summons | 10/26/2011 | Ray A Miller |
| Q: Miller, I live in Idaho, Earlier tonight my husband and I were served with a debt collections ... A: Throw yourself on the mercy of the hospital. Send them a letter asking them to consider this ... | ||
| vehicle garnish | 10/22/2011 | Steve Katz |
| Q: In New York, after obtaining a judgement, how would a creditor garnish my vehicle? I have read the ... A: The repossessor's judgment on whether the vehicle is worth repossessing is what is made on the spot. ... | ||
| vehicle garnish | 10/21/2011 | Steve Katz |
| Q: In New York, after obtaining a judgement, how would a creditor garnish my vehicle? I have read the ... A: If you have the repair estimate in writing that should be sufficient. Also, you are using the wrong ... | ||
| Account Charged Off | 10/21/2011 | Ray A Miller |
| Q: I had a credit card that I was paying on a monthly basis. I moved from PR to VA in 2006 and ... A: Wow, what a mess. Send Bank of America a certified letter telling them what you have told me and ... | ||
| Collection of Overpaid Wages | 10/20/2011 | Michael T. Hertz |
| Q: I was overpaid 47,732 dollars by a previous employer and I was not very smart in managing my money ... A: First of all, don't be so certain that they would succeed in having the debt declared ... | ||
| Collection Laws | 10/20/2011 | Ray A Miller |
| Q: I had a Comcast account back in Jan of 2010 which was closed Mar. 2010 and ended with them sending ... A: It is not against any law that I know of except the laws of accounting. Send them a certified ... | ||
Collections Law
Answers by Expert:
Ray A Miller
Top Expert on this page
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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