Report: #244197

Complaint Review: NAFS

  • Submitted: Mon, April 16, 2007
  • Updated: Mon, June 04, 2007
  • Reported By: Toronto Ontario
  • NAFS
    165 Lawrence Bell Dr Ste100
    Williamsville, New York

Show customers why they should trust your business over your competitors...

My mother, who has no debt, has received a letter from NAFS.
If they start harrassing her by phone it will be very stressful. She is 86 years old.
These guys have the wrong party nd I want to stop them harrassing her. How do I do it?
I told her to send them certifid letter with return receipt stating that she owes nothing (the amount thay want is less than $100 and to leave her alone.
I want to nip this in the bud. How?
Also they are playin games with her since, although they are based in Williamsville NY the letter cm from St Catherines Ontario in Canada.
What else can I do?

Toronto, Ontario
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This report was posted on Ripoff Report on 04/16/2007 06:27 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 UPDATE Employee

It all comes down to...

AUTHOR: Nathan - (U.S.A.)

You can all do your research and you will all see that NAFS is a legit company. So please refrain from calling us a scam. If you want to go your life thinking that its ok to not pay your bills, than that can be your little secret. The reality is that we exist because it is cheaper for corporations to hire us than to form their own collection departments. Nafs does not purchase any debt! It is true that there is no debtors prison, but wouldnt you call someone everyday if they owed you thousands of dollars? To think that we are going to go away is stupid and childish. If you dont want to pay, thats fine, but dont cry about it when you start getting daily reminders on your voicemail that you are a debtor. I encourage anyone who reads this who has a debt at NAFS to call me, and let me attempt to help you so you can post some honest feedback!

Much Love
Nathan Binder

ps. Bud Hibbs and debt settlement companys are the real theives for taking advantage of people when they are down. Either pay or dont, but dont give your $ to them. THERE IS NOTHING THEY CAN DO FOR YOU THAT YOU CANT DO FOR YOURSELF!!!FROM SETTLEMENTS TO C&D WE WILL OFFER YOU THE SAME THING WE OFFER THEM!!
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#2 Consumer Comment


AUTHOR: Michael - (U.S.A.)

Don't do ANYTHING until you go to

His site has a wealth of information on debt collectors and how to deal with them.

Don't roll over and take it. Fight back!!
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#3 Consumer Suggestion

Nathan the NAFS collector should try something original.

AUTHOR: Steve - (U.S.A.)


I see that you did a cut and paste of your same identical BS response to almost every NAFS/collections thread. A generic reply to every situation. I like that. That is called spamming the forum.

The thing you are not smart enough to figure out, is that by responding to every NAFS/collections thread, you bring your company to the top of the search results. That means a higher number of NAFS complaints will be visible.

To everyone,

Upon first contact by ANY collector, especially NAFS, send the CEASE COMMUNICATIONS request by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This is very important as it proves what you sent.

Now, when they violate your legal request, you can get paid! It is easy to sue these freaks and win.

Don't get mad, get paid!
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#4 Consumer Comment


AUTHOR: Michael - (U.S.A.)

Go to

He is a consumer advocate who HATES debt collection agencies who break the law and holds them accountable.

His site has advice on how to deal with these parasites.

Don't roll over and take it. Fight back!
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#5 UPDATE Employee

I may be able to help

AUTHOR: Nathan - (U.S.A.)

I am an employee of NAFS and have been for almost 2 years now. I would like to first take a moment to explain that we are a debt collection agency. We are not out there to embarrass innocent people. Our goal is to help keep interest rates down by collecting on unpaid debts. We work in a large office with almost 1000 people working there. It is expected that when you have 1000 people doing the same job a few of them are going to be bad seeds. However there is a lot you should all know...

1. We can not offer a debt management company or an attune any settlement that we cant offer you directly. We are allowed to offer a settlement based on a client aggregate regardless of who is asking for it so save your money. No need to pay a settlement company 15% of your total debts up front and a 150$ monthly fee so they can take $4,ooo of your plus over $1,000 to settle a $20,000 acct for $11,000 costing you over $16,000... we could have just given you the same deal for the $11,000. They are the real thieves preying on people who just are afraid to pick up the phone

2. We don't call people who can't pay. The only people who get calls more than once a week are people who judging from their credit reports can pay. Otherwise we wouldn't waste our time.

3.if you call us and inform us of your personal hardships we will do everything in our power to put something together that works for you... if it doesn't work for you it doesn't work for anyone.

4. I am always willing to help with anyone who is having a hard time. I am a single father who has just as much a hard time as anyone else so I can always help anyone who is willing to help themselves. If you are not happy with the treatment you are receiving than ask for extension 2501 and ask for Mr. Binder and I will gladly see to it that any rude collector so reprimanded and that you are treated with the fairness you deserve.
-Mr. Binder x2501

Ps. any of you who work in an office of more than 10 people know that there are always going to be bad eggs in every company, tell me about my bad eggs and I will help you with your debt.
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