NAFS National Action Financial Services OBNOXIOUSLY RUDE PHONE BEHAVIOR! IDIOTS with NO BUSINESS ETIQUETTE! HARASSMENT! ripoff Williamsville New York

Jack,

I appreciate the fact that you say you are not abusive to people. However, MOST third party collectors are NOT collecting for the original creditor. They are collecting for themselves, as most third party debt collectors today collect primarily on JUNK DEBT that they have purchased for a penny or less on the dollar.

FYI.. Paying on an old collection account will ONLY hurt a persons credit score. It makes the negative entry more recent. Even if paid off it shows as a paid collection which is still negative.

AND, if creditors don't like getting stuck with bad debt, they NEED to practice RESPONSIBLE LENDING. WOW! There's a concept!

The fact of the matter is, MOST debt collectors are abusive and violate every section of the FDCPA on a daily basis.

My family has also been harrassed and abused by NAFS. When I called them back and asked them to stop calling (as they are required, by law, to do) I was verbally abused by an employee. I called again and spoke to her supervisor, who made fun of my accent and hung up on me. These behaviors by NAFS are definitely legally compensable!

There is a class action suit against this crowd. See (((ROR REDACTED LINK FOR SECURITY PURPOSES)))

The legal advice I have received is to TAPE ALL MY CONVERSATIONS with them. I can't stress how important this is. Since NAFS instigated the calls, they may not be rude of utter abusive comments or obscenities. Also, you DO NOT HAVE TO TELL THEM you are taping the calls. You are much more likely to catch them in their standard abusive behavior if they do not know this. GET IT ON TAPE and then sue for harrassment. This is a slam dunk legal case.

Do NOT deal with this company. Forbid them to contact you. They are totally unprofessional, dishonest, and don't deserve any of your time except when they pay you your damages and legal expenses for harrassing you.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Here is a little help on some of the concerns in the above report. I currently am an employee of this company and do very well there, I will be the first to admit that we do have some jerk off's in the company and there jobs there dont last very long. First I would like to say is that I know when someone thinks of a collection agency they think harrasing no goods. But its really not. I understand how fructrating it could be getting some of the phone calls that some of you's receive but you need to put it in perspective from our end. If there were not 3rd parties like us offering to continue to collect on your bills who knows what the original creditor would have to do to recover there money. Probably sue alot quicker. (pending on the card or loan if thats what they do) It so then gives you the oppurtunity not only to settle and save money but get much lower payments. Now from an inside view we understand the calls can get a little outragous but if you could be on our end you should also understand the amount of jerks we have to deal with who charge up there bills purposly and had no intentions on ever paying them back. I can say that I never have once in this line of work have ever raised my voice to one of my customers nor hung up or harrass them. So if you just take it with a grain of salt and try to get someone like me on the phone then you would actually enjoy paying back your debt with alot of advice on the way......

I was a bill collector for 10 years and I do mortgages now, let me tell you how credit works. Ignoring a delinquency that is ACTIVELY REPORTING on your credit report, regardless of how old the original debt is does hurt your credit tremendously.

PAYING OFF CURRENTLY REPORTING delinquecies will improve your score by as much as 10 points per item in 30 days so it is wise to pay them... delinquencies THAT HAVE BEEN REPORTED over 24 months ago, regardless of their original date, do not affect your score at all, but they may have to be paid off if your TOTAL DELINQUENCIES are $5000 or more.

Paying off a 3 year old ER copay will hurt your score, paying off a fresh charge off will help your score. You need to make the right choices when trying to fix your credit.

As for NAFS, this is the standard for every agency I ever worked at. The more you collect, the more you get paid, it's simple business. I never lied to get paid and some collectors are decent, just keep hanging up on them till you get someone who wants to wheel and deal, never take their first offer... they would never take your first offer...

The older the debt, the less they are authorized to accept and then there are exceptions (CALL THEM ON THE LAST DAY OF THE MONTH AND PROMISE WESTERN UNION, THEY WILL GIVE YOU A GREAT DEAL, TRUST ME!) NEVER GIVE CHECKING INFORMATION... EVEN GOOD COLLECTORS MAKE MISTAKES... I WOULD HAVE PREFERED A MONEY GRAM OR WESTERN UNION PAYMENT ANY DAY... SETTLE!

Steve,

Thank you for your comments. The problem is I already paid them for a settlement (5,139.00) that we agreed on. I lived up to my end of the deal and closed my account so they could not take more money. They are now saying there was never a settlement, and that they would let the credit people know that I was free and clear. I have requested a statement from them and I will send another one along with a copy of the letter to the NY AG and a cease & disist letter.

I wish I had known all this earlier. The company I owed, the FDIC closed them down in 2002 so who is getting the money that I have already given NFAS?

I am now getting calls and they are leaving messages saying that I have to call but they can't tell me who or what it is about) and I am just not anwsering them.

So you feel, that I really don't have to worry about them taking me to court? Thank you, Steve very much for any advice!

Jinny

Jinny,

Disregard what the collector above posted. ["By law as long as you are sending them SOMETHING each month, even just $5, there is nothing they can do to you."]..This is simply not true, and there is no such law. If an action can be legally taken, partial payments will not stop it.

There are some standard rules when dealing with debt collectors:
1. NEVER speak to any collector on the phone. You cannot trust them and anything you say can only hurt you. Keep in mind that if there was something they could actually do, they would already be doing it, and would have no need to talk to you!
2. Never pay any collector! Always just make them sue you. Most won't. Paying an old collection does not help you any, it will actually hurt your credit more than if you just let it go! Paying a collection does not remove it from your credit. It just changes it to a paid collection, and restarts the 7 year NEGATIVE reporting!
3. DEMAND all communication be in writing. And you only use certified mail/return reciept requested.

Send them the CEASE COMMUNICATIONS request asap.

Jinny,

Disregard what the collector above posted. ["By law as long as you are sending them SOMETHING each month, even just $5, there is nothing they can do to you."]..This is simply not true, and there is no such law. If an action can be legally taken, partial payments will not stop it.

There are some standard rules when dealing with debt collectors:
1. NEVER speak to any collector on the phone. You cannot trust them and anything you say can only hurt you. Keep in mind that if there was something they could actually do, they would already be doing it, and would have no need to talk to you!
2. Never pay any collector! Always just make them sue you. Most won't. Paying an old collection does not help you any, it will actually hurt your credit more than if you just let it go! Paying a collection does not remove it from your credit. It just changes it to a paid collection, and restarts the 7 year NEGATIVE reporting!
3. DEMAND all communication be in writing. And you only use certified mail/return reciept requested.

Send them the CEASE COMMUNICATIONS request asap.

Jinny,

Disregard what the collector above posted. ["By law as long as you are sending them SOMETHING each month, even just $5, there is nothing they can do to you."]..This is simply not true, and there is no such law. If an action can be legally taken, partial payments will not stop it.

There are some standard rules when dealing with debt collectors:
1. NEVER speak to any collector on the phone. You cannot trust them and anything you say can only hurt you. Keep in mind that if there was something they could actually do, they would already be doing it, and would have no need to talk to you!
2. Never pay any collector! Always just make them sue you. Most won't. Paying an old collection does not help you any, it will actually hurt your credit more than if you just let it go! Paying a collection does not remove it from your credit. It just changes it to a paid collection, and restarts the 7 year NEGATIVE reporting!
3. DEMAND all communication be in writing. And you only use certified mail/return reciept requested.

Send them the CEASE COMMUNICATIONS request asap.

Jinny,

Disregard what the collector above posted. ["By law as long as you are sending them SOMETHING each month, even just $5, there is nothing they can do to you."]..This is simply not true, and there is no such law. If an action can be legally taken, partial payments will not stop it.

There are some standard rules when dealing with debt collectors:
1. NEVER speak to any collector on the phone. You cannot trust them and anything you say can only hurt you. Keep in mind that if there was something they could actually do, they would already be doing it, and would have no need to talk to you!
2. Never pay any collector! Always just make them sue you. Most won't. Paying an old collection does not help you any, it will actually hurt your credit more than if you just let it go! Paying a collection does not remove it from your credit. It just changes it to a paid collection, and restarts the 7 year NEGATIVE reporting!
3. DEMAND all communication be in writing. And you only use certified mail/return reciept requested.

Send them the CEASE COMMUNICATIONS request asap.

Kristen,

Please read the lastest report by Jinny (me). I made a settlement with NAFS and talked to a Mr. Burke and he assured me along with his supervisior that after I paid the last draft (May 06) that everything would be cleared. They never sent a statement as promised.

My settlement is paid and now they are calling me again. I am doing what all these people suggest. The Cease letter and also writing the AG of New York.

What else can I do? Do you believe that they will actually try and take me to court? The company that I paid the settlement for no longer is in business so who is getting my total payment? Any help, would be greatly appreciated!

Thanks,
Jinny

OK, I used to work for NAFS. Let me fill you in on a few things. First of all the reason they wont give you an address is because each collecter works on commission. They will never admit it but they have a certain quota to reach every month and if they reach that quota they get a monetary bonus. If they dont reach their quotas they could lose their job. If you just mail in a payment the collector who has your acct wont get credit for the payment. This is also why they dont like monthly payments. They are trying to get as much money out of you as possible by the end of the month. By law as long as you are sending them SOMETHING each month, even just $5, there is nothing they can do to you. That's not to say they wont call you and try to get more money from you. Also they want to know where you get your money from because they want to be able to track you down if you miss a pymt. If they are calling you for a relative that used your number or for someone who no longer lives at your house you need to send them a written cease and desist letter. Once they receive that they legally can not contact you any longer and if they do they open themselves up for a lawsuit. Checks are not the only way to pay. They also accept western union quick collect and Moneygram. Please dont let these people fool you. They are not out to help you improve your credit they are out to make money. Some of these collectors make $70,000 a year doing this. I hope this info can help a few people out there being harassed by collection agents.

IF YOU TRY TO CONSOLIDATE YOUR DEBT WITH NAFS THEY WILL NOT GIVE YOU THEIR ADDRESS, INSTEAD THEY WILL GIVE MEAN REMARKS LIKE 'I PAYED FOR MY BILLS WHEN I WAS PREGNANT, WHY CAN'T YOU?'. THEY GIVE AN ATTITUDE ASKING WHY YOU NEED THEIR ADDRESS. AND TELL YOU JUST PAY YOUR ACCOUNT!! ABSOLUTELY NO PROFESSIONALISM. THIS BUSINESS SHOULD NOT EVEN EXIST!!!!!!!!

If you do a search on this site for collection agencies you will find detailed information on how to protect your rights. Your first move should be to send a letter, certified mail, return receipt requested, to the collection agency advising them that this is not your debt, that you have told them via the telephone NOT to contact you and that they are to cease immediately. They can't legally bother you. Don't give them any personal information and they can't demand you give them information on the person they are seeking. Please do check the other posts on this site for information on how to handle this agency if they ignore your demand to cease and desist.