The legal methods followed by Alexander, Miller & Associates for the debt collection fully conform to the FDCPA in principle and practice. According to the law the agency is known as the official debt collector on behalf their client who is the creditor. Even though this service is also provided by the independent attorneys, they fall into the category of litigations and law enforcement procedures. By following such methods the creditors have little chance of getting back their outstanding payments on time. This could be due to some of the clauses and sections of the FDCPA which is mainly oriented towards the debtor benefits.
If you take a closer look at the sections of the FDCPA, the debtor is considered as the consumer. In case of any disputes raised by him (or the debtor company) the creditor has to stop the collection process until the dispute is legally settled by the court of law. There are many complex issues in the law which the creditor is unable to understand. Then he may need to appoint another attorney for solving the case through the court of law. At the same time the debtor attorney will be preparing the legal protection grounds on which the litigation keeps dragging for many years without any results.
Alexander, Miller & Associates – Fast and Effective
The procedures adopted by Alexander, Miller & Associates are perfectly legal according to the FDCPA. They protect the interests of the debtor while taking measures to collect the outstanding balances from them.
- Fair Practices: – The fair practices implemented by the agency include sending of polite reminders to the debtors about the repayment schedule. They can be supported by the pending invoices, aging reports and other financial statements. The debtors have all the rights to tally them with their own books of accounts. If they find any differences they can approach the agency for clarifications. The experts take the help of accounts department in the creditor company and tally the books of accounts. They submit the final figures and reports to the debtors and ask them to check and reply within a specific time. They don’t violate the FDCAPA in any of the aspects during the entire set of procedures.
- Debtor Response: – If the debtor company responds to the communications and confirms the debt, the rest of procedures become simple for the agency. They can get the parties to sign the agreement for repayment and decide on a mutually agreed schedule. Then the agency monitors the repayment regularly and takes appropriate measures as required.
- Debtor Refusal: – In such cases Alexander, Miller & Associates allocates top priority for the negotiations. At the same time they launch private investigations into the accounting books and financial statements validation. In this process they are able to establish the evidences about the validity of the debt, repayment capacity of the debtor and their strict liability. The reports and the evidences they prepare should be able to convince the debtor’s attorney about the validity of the claims made by the agency on behalf of the creditor. In almost all the cases the debtors become willing to repay the debts according to the Alexander, Miller & Associates guidelines.