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Two of my Sears accounts were purchased and placed with NAFS

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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 had just received my first and hopefully last call from this NAFS. I do not owe anything to anyone besides my monthly payments that are always on time. This rude guy asked for a name similar to mine but a different first name, so I said that I never heard of that person. He then said loudly, "GOOD, CAUSE SHE'S IN BIG TROUBLE!" and then immediately hung up the phone. I looked up this 716-650-6240 number and came up with this NAFS company out of New York. Looking up one of the site's, it said that it is a company, if you'll even call it that, that hires junkies that are pissed off at the world that seek revenge. They do this job to support their drug habits and probably owe money themselves. I am surprised that they don't have a private number knowing that they give a number and an address. Don't anybody stand for their CRAP!!!

Sub: #31 posted on Mon, 04/09/2007 - 06:58


I received a call from this bottom-feeding toilet of a company tonight, regarding a "supposed" debt, from 2001. I told them not to contact me any further and the woman screamed, and I mean screamed "oh, I'll be contacting you allright, you had better get an attorney!!!" and hung up. A class act they are.
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 - 17:44


I am a debt collector at nafs and am offended by what is being said in regards to the company. Althought there are many collectors that are rude and don't care if they are helping someone in need or not, what about those of us that go above and beyond our jobs to make sure people are treated right?

Sub: #33 posted on Thu, 04/19/2007 - 14:42


I went negative with chase bank and it got sent to nafs. I paid it off in december but now i have another collection agency calling me wanting payment for the same thing. I was told that nafs was supposed to send me a letter saying paid in full but I have not recieved any. I am going to attempt to call them and find out what happend. Thanks for the information above. I could not find a web site with there information. Thanks again!

Sub: #34 posted on Tue, 06/05/2007 - 14:13


I am convinced this company is sometype of scam. By law, a debt collection company is required to identify themselves as such.

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 - 14:19


Warning do not believe anything that nafs 9027, williamsville, ny 14231-9027 has to say or offer you regarding settlement of your accounts. I was offered a settlement and took it two payments in two months. This was offered by melissa green at 1-800-694-113 ext 2826. I have been trying to get an acknowledgement letter that the account is settled and guess what i got the runaround for two months after my last payment. Now someone by the name of denise who claims to be a supervisor says my account isn't settled. They played me for a while saying the letter was being written and would be in the mail. I talked to a donna, lori, nicole, and guess what i was scammed. Do not work with these people. Also have letters saying any problems with account to contact jim roth who is president/ceo at 1-800-847-9106. This business is truly dishonest please beware

Sub: #36 posted on Mon, 06/18/2007 - 13:02


My husbands had two accounts 7 years ago. The accounts were with LVN. I guess they are now with NAFS. They can't take any legal action.

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 - 16:16


what can i do about this?

Sub: #38 posted on Mon, 08/13/2007 - 12:05


nafs is calling my job everyday. is there something i can do about this? i cannot pay the settlement, but was willing to pay something.

Sub: #39 posted on Mon, 08/13/2007 - 12:08


I received a call from NAFS regarding an 11-year-old deficiency balance on a Jeep that my ex-husband and I co-signed for. It was his truck and he took sole responsibility for it in the property settlement. Apparently, when he turned it in, he was behind on payments. He caught up the payments and they agreed to waive the deficiency balance. I have not been contacted about it until the other day. NAFS's "pre-legal" department told me I was responsible for the debt because my ex wouldn't pay it. He even gave me my ex's phone number! Ex says collectors have been after him for years about this debt, but this is the first time I have heard about it. Now I see that NAFS has inquired on my Equifax credit report. Isn't this illegal? I have not received any letter regarding the debt. All the research I have done shows that NAFS is not a reputable company and have resigned from the BBB because they were about to be removed by the BBB.

Any thoughts?

Sub: #40 posted on Sun, 01/20/2008 - 09:23


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