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NDebt

Anyone ever had to deal with National Action Financial Services, Inc. (NAFS)? Last week two of my Sears accounts were purchased and placed with NAFS. I have been working with a debt settlement company for over a year. Things had been going well, but about a month ago my advisor with the debt settlement company quit without notice. Unfortunetly, clients were not informed of this. She had done an amazing job over the past year with my creditors. Now that she's gone things seem to be unraveling. I'm hoping once they get reorganized things will improve again. However, in the meantime I have NAFS breathing down my neck. I owe about $19,000 between the two accounts they have taken on. Does anyone know what this collection agency is like to deal with? So far they seem very uncooperative, and not willing to settle. They just took these accounts last week. Do you think they may be more willing to settle after a month or so? Also does anyone know how often they attempt lawsuits? Thanks...NDebt

Posted: Sat Feb 25, 2006 2:27 pm Subject:

Hi NDebt!!!! welcome!!!
I've not heard of this collection agency, but I'm sure there is someone else here that has and they will be along here shortly to help out if they can. I just wanted to welcome you and help push this post up to the front so others can see it. Very Happy

Shirley

Posted: Sat Feb 25, 2006 2:38 pm Subject:

I will say this much. I went and did a little research on this company and from what I have found, they are KNOWN for their harrassment!!! Hopefully someone will come along that has actually dealt with these people but from what I've read through doing a google search, they are huge harrassers in the worst way. There is a website of a law firm that represents themselves as 'consumer protection and class action lawyers' that have a list of collection agencies on their site that they are asking if anyone has any information on and your collection agency is on that list. Among many others. I take it that they've received complaints and are trying to collect up as much evidence on them as possible. This is a sign that they don't play fair. I will continue to research what I can until someone else comes along that maybe has actually dealt with these people. shirley

Posted: Sat Feb 25, 2006 2:42 pm Subject:

National Action Financial Service
3587 Pkwy Ln
Norcross, GA 30092-2827
(770) 248-9909

N A F S
(National Action Financial Services, Inc.)
165 Lawrence Bell Drive
Williamsville, NY 14221

Additional Business Names

Finance Services
N A F S
Sitel Corp..

Additional Telephone Numbers

(716) 565-1040
(716) 650-6240
(800) 695-9134
(800) 982-0484.

Additional Addresses

2877 Brandywine Rd. Ste. 300, Atlanta, GA 30341

5601 Bell Dr, Buffalo, NY 14186

7277 World Communications Dr., Omaha, NE 68122

P O Box 9027, Williamsville, NY 14231-9027

I got this info from the BBB, says they have a satisfactory record, and they are a BBB member.

Posted: Mon Feb 27, 2006 10:52 am Subject:

NDebt,

First, collection agencies cannot bring lawsuit against you if they are not given the legal power by your creditor. Nor a collection agency, neither your creditor will be interested in settlement. It is the efficiency of your settlement company to convince them and get the settlement approved.

You can ask your settlement company to handle these accounts too. This will help you avoid the chaos. Or if you decide to do it yourself, then send them DV. This is the first step of debt validation. Once they receive your letter, they have 30 days to send all the details of the account. If you find any ambiguity in the validation, dispute it. If they cannot verify it, you need not pay them.

One more thing, have you tried talking your creditor? Inquire if you can settle the account directly with your creditor or not.

JackNJill · Posted: Thu Apr 20, 2006 6:11 am Subject: CAlling without identifying

Isn't illegal for a Collections Agency to not identify theirselves?

NAFS(National Action Financial Services, Inc.)
165 Lawrence Bell Drive
Williamsville, NY 14221

CAller ID number will be 716 650 6240 and they will ask you to call......800 982 0484

Guest · Posted: Thu Apr 20, 2006 6:25 am Subject:

� 804. Acquisition of location information [15 USC 1692b]

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

Posted: Thu Apr 20, 2006 4:39 pm Subject:

That's correct. You can file complaint against them with BBB, FTC and Attorney General as well. What is the purpose of the call, do you owe them?

Posted: Thu Apr 20, 2006 4:57 pm Subject:

If NAFS behaves themselves, treats you like a person, and obeys the fdcpa, you can trust them and work with them. If they do otherwise, tell them to pound sand, then go ahead and work something out with the original creditor, Sears.

Sears also contracts with LVNV who also contract with Protocol Recovery Service, both agencies are crap, so I would be leary of any collection agency in business with Sears, they don't seem especially concious of this.

anonymous1 · Posted: Tue May 30, 2006 9:52 pm Subject: national action financial services

i worked at nafs for years, in williamsville, ny. i can assure anyone who is being contacted by them for any reason, you need not fear a lawsuit. nafs doesn't own any of the paper placed in their office for collection. they are not authorized to initiate legal action on any account, and this is known throughout the office. therefore, for a collector to even suggest the possibility that they are going to sue you would be a direct violation of the fair debt collection practices act. be wary though, because there are many ways to insinuate a potential lawsuit, possibly by the original creditor or a law office down the road. just know that so long as the account is with nafs, there will be no legal action, whatsoever. and nafs themselves has absolutely no say or influence whatsoever when it comes to determining where the account goes once it is recalled from their office. this recall is usually done after 6 months, where no payments or arrangements have been set up.
now, although most collectors these days are, in fact, unethical when it comes to following the fdcpa, there are some collectors there who can be considered cooperative. a reduced settlement payoff is always an option, whether the collector admits to this or not, but not all clients that place their accounts at nafs for collection allow for multiple part settlements. most often, the client will require a settlement in one payment, or at least the lowest settlement quote must be made in one payment. hope this information is useful for somebody.

Posted: Wed May 31, 2006 6:39 am Subject:

I have a Sears account that is now with Citibank. They arrangement they wanted to give me wasn't all that bad, but still unaffordable for me. They wouldn't budge. I contacted Sears directly and spoke with a manager who said that they could not discuss my account with me because it was now with Citibank and I needed to contact them. Sears did tell me that if I went into a Sears store, that they would accept payments from me. I have started doing this. It is not an arragement, but it is at least showing that I am making an effort to pay what I can and they are accepting it.

leibtek · Posted: Wed Jun 07, 2006 1:22 pm Subject:

I am receiving these same phone calls as JackNJill above. I to my knowledgs don't owe anything to any one.

They leave a recorded message saying to call the 800 number. The voice on the recording is the same all the time even though he keeps on changing his name, and they never identify themselves nor do they identify whom they're calling. I did a search on google on the 716 number, and got to this thread.

I have so far 14 messages saved in my voicemail.

Please Advise,
Thanks,
Leibtek

Posted: Wed Jun 07, 2006 5:00 pm Subject:

leibtek, I will suggest you to call them back and inquire about the purpose. You should not get calls without a legitimate purpose. If they don't have anything to prove, your name must be off from their system. Don't ignore otherwise calls will never end. Besides, you are in a stronger situation to send a cease and desist letter as you don't owe anything. If you do, it needs to be proven in writing

Holly · Posted: Wed Jun 14, 2006 4:50 am Subject: RUDE NAFS!

I don't owe anybody anything, and if I do, my depts are paid on time, but this company keeps calling me. The last message was very rude, so I called the 800 number, asked for the person that left the message so I could give them a piece of my mind. The man finally came on the phone, asked for someone by name (not me) and I said, 'No, I'm Holly' and tried to say more, but he hung up on me.

How RUDE!! They better stop calling, I'm getting fed up!

** · Posted: Thu Jul 06, 2006 7:06 am Subject: Phone Calls

I just received a phone call on my cell. When I called the number left 1-800-982-0484 the person that I spoke with (Frank White) insisted I was someone else (someone I never heard of) and said this person made a phone call from my cell phone. I explained I never heard of the person he was asking for and insisted this person called him on my cell phone. I am the only person using my cell phone. He was extremely rude. I had no clue who I was speaking with until I found this phone number 1-800-982-0484 on the internet. Now I know who I was speaking with.

OPTIMIST · Posted: Mon Jul 10, 2006 8:24 pm Subject: FOOD FOR THOUGHT

Every collection agency I look up has something negative said about them.... The real question is can you find something good said about a collection agency. Does anyone have a postive remarks about paying a bill that they haven't paid in over a year? And if you know direct me to the website!

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