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Regular Contributor
princechristian
Posts: 203
Registered: ‎07-20-2012
0

Collection Agency Info

Hi

 

I've been attempting PFD letters for the following 7 seven collection accounts:

 

AFNI, INC ($108 Bellsouth/AT&T phone bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Protection Association 1($125 Charter Communications cable bill, apparently for equipment) Collection Opened 08/2008, last bill payment 10/2006

Credit Protection Association 2($293 Charter Communications cable bill, apparently for bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Management LP ($307 Different Charter Communications cable bill) Collection Opened 10/2010, last payment 07/2009

Northeast Legal Group($279 collection from returned check) Collection Opened 07/2008

Holloway Credit Solutions ($75 medical bill, this is the only account that calls me regularly, also the oldest) Collection Opened 07/2006

Trident Assest Management ($44 Columbia House DVD account, This collection apparently disappeared two weeks after first letter was sent 6 weeks ago)

 

After two letters to each, six weeks later no responses, just the one that was oddly removed. I want to know if anyone has email info regarding the above CAs, and if it would be best to start emailing them at all? Or just continue to send letters? Thanks

 

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Collection Agency Info


princechristian wrote:

Hi

 

I've been attempting PFD letters for the following 7 seven collection accounts:

 

AFNI, INC ($108 Bellsouth/AT&T phone bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Protection Association 1($125 Charter Communications cable bill, apparently for equipment) Collection Opened 08/2008, last bill payment 10/2006

Credit Protection Association 2($293 Charter Communications cable bill, apparently for bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Management LP ($307 Different Charter Communications cable bill) Collection Opened 10/2010, last payment 07/2009

Northeast Legal Group($279 collection from returned check) Collection Opened 07/2008

Holloway Credit Solutions ($75 medical bill, this is the only account that calls me regularly, also the oldest) Collection Opened 07/2006

Trident Assest Management ($44 Columbia House DVD account, This collection apparently disappeared two weeks after first letter was sent 6 weeks ago)

 

After two letters to each, six weeks later no responses, just the one that was oddly removed. I want to know if anyone has email info regarding the above CAs, and if it would be best to start emailing them at all? Or just continue to send letters? Thanks

 

 

 


The ones from 2006 I would check the SOL of your state.  They are approaching their end of life of reporting and will fall off next year.  If they are outside the SOL of your state, I would offer a PFD for them at a reduced rate.


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Regular Contributor
princechristian
Posts: 203
Registered: ‎07-20-2012
0

Re: Collection Agency Info

I want them off ASAP so waiting on the SOL is not preferred. I want to know and explore any other options besides waiting. Do I heckle them with letters or emails?

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Collection Agency Info

I was refering to the SOL of your state, not the CR reporting times.  If the SOL of your state is 3 years, then they can report but have no legal bite to get you to pay.  Use that to your advantage for a PFD.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Member
Meeza24
Posts: 7
Registered: ‎01-28-2008
0

Re: Collection Agency Info


princechristian wrote:

Hi

 

I've been attempting PFD letters for the following 7 seven collection accounts:

 

AFNI, INC ($108 Bellsouth/AT&T phone bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Protection Association 1($125 Charter Communications cable bill, apparently for equipment) Collection Opened 08/2008, last bill payment 10/2006

Credit Protection Association 2($293 Charter Communications cable bill, apparently for bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Management LP ($307 Different Charter Communications cable bill) Collection Opened 10/2010, last payment 07/2009

Northeast Legal Group($279 collection from returned check) Collection Opened 07/2008

Holloway Credit Solutions ($75 medical bill, this is the only account that calls me regularly, also the oldest) Collection Opened 07/2006

Trident Assest Management ($44 Columbia House DVD account, This collection apparently disappeared two weeks after first letter was sent 6 weeks ago)

 

After two letters to each, six weeks later no responses, just the one that was oddly removed. I want to know if anyone has email info regarding the above CAs, and if it would be best to start emailing them at all? Or just continue to send letters? Thanks

 


PM'd you email addy for AFNI


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New Contributor
PRC
Posts: 68
Registered: ‎04-16-2012
0

Re: Collection Agency Info


princechristian wrote:

Hi

 

I've been attempting PFD letters for the following 7 seven collection accounts:

 

AFNI, INC ($108 Bellsouth/AT&T phone bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Protection Association 1($125 Charter Communications cable bill, apparently for equipment) Collection Opened 08/2008, last bill payment 10/2006

Credit Protection Association 2($293 Charter Communications cable bill, apparently for bill) Collection Opened 03/2008, last bill payment 10/2006

Credit Management LP ($307 Different Charter Communications cable bill) Collection Opened 10/2010, last payment 07/2009

Northeast Legal Group($279 collection from returned check) Collection Opened 07/2008

Holloway Credit Solutions ($75 medical bill, this is the only account that calls me regularly, also the oldest) Collection Opened 07/2006

Trident Assest Management ($44 Columbia House DVD account, This collection apparently disappeared two weeks after first letter was sent 6 weeks ago)

 

After two letters to each, six weeks later no responses, just the one that was oddly removed. I want to know if anyone has email info regarding the above CAs, and if it would be best to start emailing them at all? Or just continue to send letters? Thanks

 


This is not widely approved by myfico members; however, I had success on 3 collection and 2 charge off accounts. After several unanswered, emails, mail, and fax attemtps I simply called them and they verbally agreed to the PFD (especially on the ones outside of SOL)...if they agreed I paid if they did not I said oh well it is out side of the SOL so I will never pay unless deleted...typically they placed me on hold, spoke with their supervisor, and came back and said OK we can accept it.  Based on my experience I recommend this approach...all deleted as they stated and provided me a letter after payment that it would be deleted.  Hope this helps. 

Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012
0

Re: Collection Agency Info

Could you pm me the Afni email also? Id appreciate it times a million!

Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Regular Contributor
princechristian
Posts: 203
Registered: ‎07-20-2012
0

Re: Collection Agency Info

Thanks, Thanks!

 

I have emails for AFNI and Holloway Credit Solutions, but still searching desperately for email addys for Credit Protection Association, Credit Management LP, and Northeast Legal Group? Please help anyone if you can. Thanks.

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Collection Agency Info

For AFNI, I used this email address and they are very prompt.

 

recoveryteam@afni.com

 

 


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Regular Contributor
princechristian
Posts: 203
Registered: ‎07-20-2012
0

Re: Collection Agency Info

Bumping one last time...

 

Need emails for Credit Protection Association, Credit Management LP, and Northeast Legal Group? Again please help anyone if you can. Thanks.

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012


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