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
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. :D Shirley
Sub: #1 posted on Sat, 02/25/2006 - 13:27
(Posts: 1301 | Credits: )
Sub: #2 posted on Sat, 02/25/2006 - 13:38
(Posts: 1301 | Credits: )
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.
Sub: #3 posted on Sat, 02/25/2006 - 13:42
(Posts: 280 | Credits: )
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.
Sub: #4 posted on Mon, 02/27/2006 - 09:52
(Posts: 1639 | Credits: )
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
Sub: #5 posted on Thu, 04/20/2006 - 06:11
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;
Sub: #6 posted on Thu, 04/20/2006 - 06:25
Sub: #7 posted on Thu, 04/20/2006 - 16:39
(Posts: 488 | Credits: )
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.
Sub: #8 posted on Thu, 04/20/2006 - 16:57
(Posts: 2192 | Credits: )
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.
Sub: #9 posted on Tue, 05/30/2006 - 21:52
Sub: #10 posted on Wed, 05/31/2006 - 06:39
(Posts: 86 | Credits: )