Complaint Review: Kramer and Frank Collections

In your original post, you have not specified how the collection agent has violated the law.  Your follow up post lists possible violations of the law that are listed in the legislation.  Your Original post though does not list what the collection agency did wrong, other than being shady and rude.  You may have a case under the Fair Debt Collection practices, but from what was posted, not sure how it is a "ripoff"

I have an attorney and he is actively involved in clearing up a negative mark on my credit report that was willful probably or negligent minimually on the part of Kramer and Frank that violated my rights under the FCRA.  Under 617 of the Act, I can recover for a negligent violation of damages, plus attorney's fees.  As a consumer I can file a suit in state or Federal court to enforce the Act.  You can go online and read about the MANY lost cases that Kramer and Frank have lost because they have violate the laws under the FCRA.  Here's one Murphy v MRC Recievables Corp., Kramer & Frank, P. C. and Midland Credit Management, INC.  Her Honor Nanette K. Laughrey, United States District Judge for the Western District of Missouri has found Kramer & Frank guilty of unethical practices more than once, the internet is full of cases for your review.  My attorney, in Texas no doubt, says that he knows of Kramer and Frank quite well and their illegal practices and has gone head to head with them many times, and in his words, "they are the worst of the worst."  And one thing he did remind me of, Kramer & Frank, as ruthless as they are, they certainly don't go after piddly stuff in a court of law, mostly the big debts like those in the 6000 to 8000.00 range.  Since the debt collection for the patient is not even 3% of that, I stand with my feet firmly planted and will have my rights protected under the law.  And when I win my case, I too will upload it to the internet for the world to see. 

Kramer and Frank are in Violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.

The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C.  1601 et seq.). Its purpose is to protect consumers from unfair billing practices.^[1]

Examples of billing errors

The following are examples of billing errors under the FCBA^[2]:

• Charges not actually made by the consumer
  
• Charges in the wrong amount
  
• Charges for goods not received by the consumer
  
• Charges for goods not delivered as agreed
  
• Charges for goods that were damaged on delivery
  
• Failures to properly reflect payments or credits to an account
  
• Calculation errors
  
• Charges that the consumer wants clarified or requests proof of
  
• Statements mailed to the wrong address

The Fair Credit Reporting Act (FCRA) is an American federal law (codified at 15 U.S.C.  1681 et seq.) that regulates the collection, dissemination, and use of consumer information, including consumer credit information.  Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in the United States. It was originally passed in 1970,^[1] and is enforced by the US Federal Trade Commission.

The OP did not pay outstanding medical bills. The hospital turned it over to collections. The OP thought she'd call them instead of paying them, and wasn't impressed with their attitude.

 I don't see a ripoff here, either. As far as I can tell, all the collection agency did was send a bill and report the outstanding debt (which she acknowledges) to the credit bureaus. That's exactly what they're supposed to do.  Trying hard to figure out what the OP considers "unethical".  They did give her good advice, though. She should probably have an attorney when the collector files suit for judgements and garnishments.

Here is the address for the Federal Trade Commission for anyone who needs to write a letter to them regarding violation of the Fair Credit Reporting Act:

Federal Trade Commission:

Consumer Response Center - FCRA

Washington DC 20580