콜렉션 에이전시 - ASK미국

s**rnof**** 님 답변 답변일 7/26/2019 3:37:42 PM

Call the collection agency and provide them with your health insurance information.
Let the collection agency find out that the claim had been paid by your health insurance.
콜렉션 에이전시에 전화하여 귀하의 건강 보험 정보를 제공하십시오.

‘보험회사에서 처리했다는 모든 빌’과 ‘콜렉션 에이전시에서 지불해야한다고 하는 빌’ 을 비교 하고서 . . . 보헙회사에게 ‘처리했다는 모든 빌’ 설명서 EOB (explanation of benefits) statement 에 나온 지불된 항목들이 그 콜렉션빌과 동일 할때. . .

그런이후에 ‘콜렉션에서 신용보고를 하겠다고 막무가내이면 . . .’
다음 기관에 불만을 제기하십시오.

The Fair Debt Collection Practices Act provides protection for consumers against harassment or other abusive practices.
공정한 채무 추심 법 (Fair Debt Collection Practices Act)은 소비자가 괴롭힘이나 위협등 기타 언어 학대 행위로부터 보호받을 수 있도록 합니다.

s**rnof**** 님 답변 답변일 7/26/2019 3:39:49 PM

2005 Illinois Code - Chapter 225 Professions And Occupations 225 ILCS 425/

https://law.justia.com/codes/illinois/2005/chapter24/1355.html

“The statute prohibits the use of threats, harassment, abusive language, unlawful publication of indebtedness, and conduct which causes the debtor or family to suffer mental or physical illness. . .

If you think a debt collector violated the Illinois Collection Agency Act, you can do the following:

 Contact the Illinois Department of Financial and Professional Regulation. You can file a complaint online as well as check the license status of a debt collector.

 You can also file a complaint with the Illinois Attorney General at www.illinoisattorneygeneral.gov.

 Contact the FTC. Federal Trade Commission (FTC) enforces the FDCPA. You can contact the FTC online at FTC Complaint Assistant.

--> Sue the debt collector. Even though the ICAA does not explicitly allow you to sue the debt collector directly, some courts in Illinois have ruled that you do have the right to sue a debt collector. You may be able to recover actual damages and possibly punitive damages.”

[법률] 상담 글 질문에 공감하시면 '나도 궁금해요'버튼을 눌러주세요.

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