Kevin
Angola,#2Consumer Comment
Wed, April 04, 2007
I just got my AFNI letter LOL. is there anywhere that can show me how to write this "CEASE COMMUNICATION " letter and have the same professional ring to it? Thanks Kevin
Steve [Not A Lawyer]
Bradenton,#3Consumer Suggestion
Mon, April 02, 2007
Jesse, Unfortunately, when you made that payment to NCO you affirmed the debt and reset the SOL. They can legally sue you now and win. And, when you gave NCO your personal info, like SS# and banking info, they put it in your file, which they sold to AFNI. The DEBT VALIDATION letter at this point is a waste of time and money, since you already validated the debt by making a payment. Your only option now is one of two things. [And I really hate to say this]. Either pay off the debt and be done with them, or ignore the debt and hope to get lucky that they don't sue. Either way, send a CEASE COMMUNICATION request by certified mail, return reciept requested and put the certified# on the letter itself and keep a copy for your records. This forces them to sue or close your file. AND, CLOSE THAT ACCOUNT IMMEDIATELY!! open a new one at a DIFFERENT BANK. Remember, NEVER speak to any collector on the phone, and NEVER give out ANY personal or financial info to ANYONE that you do not know personally or have a current business relationship with. Good luck!