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
Sub: #31 posted on Mon, 04/09/2007 - 06:58Unregistered
If you are called by scumbags such as these:
1. Do NOT acknowledge any debt they claim you owe, whether you do or not.
2. Tell them NOT to contact you, your family, your friends, and your employer.
3. If they persist, tell them (without acknowledging anything) that you need to see something on paper. When you receive their correspondence, write them a letter telling them you do NOT acknowledge the debt, and for them to stop contacting you in any way. Send this certified requiring a signiture.
4. Know the statue of limitations for the state you reside in now.
5. Don't give in to threats, especially from a company like this one.
6. If they call you after 9pm. or before 8am., politely inform them that they are breaking the law, and hang up.
7. Once you've identified them, when they call, either screen your calls and ignore them, or hang-up when you know it's them.
8. Don't volunteer ANY information. Even if a debt is charged-off, or past the statue of limitations, acknowledging that you "used" to owe ANYBODY, can re-age/renew the debt. Simply act stupid and tell them you do NOT acknowledge any debt.
9. Be patient, and polite. They will give up eventually. Being firm, yet polite, seriously irritates bottom-feeders. :)
Sub: #32 posted on Wed, 04/11/2007 - 17:44Unregistered
Sub: #33 posted on Thu, 04/19/2007 - 14:42Unregistered
Sub: #34 posted on Tue, 06/05/2007 - 14:13Unregistered
They keep calling my house, saying they are Courtney etc and ask for my husband by his first name. They refuse to saw what the "important legal matter is". I told them my husband was deployed and they wanted to verify information. I believe they are phishing for SSN's and other information. I told them we do not conduct any business over the phone and they could contact us by mail with their "urgent business matter". They then hang up but have continued to call. I would not give them any information over the phone.
As far as retaining a lawyer, you don't need one. If it is an urgent legal matter it will be sent to you by certified mail and then you can decide what you need to do. A prelegal department is a bogus title just to intimidate you.
Sub: #35 posted on Fri, 06/08/2007 - 14:19Unregistered
Sub: #36 posted on Mon, 06/18/2007 - 13:02Unregistered
Advise: If you ever get served court papers for a credit card debt, deal with immediately. Otherwise, ignore the calls unless you plan to pay the debt.
Sub: #37 posted on Tue, 06/26/2007 - 16:16Unregistered
Sub: #38 posted on Mon, 08/13/2007 - 12:05Unregistered
Sub: #39 posted on Mon, 08/13/2007 - 12:08Unregistered
Sub: #40 posted on Sun, 01/20/2008 - 09:23Unregistered