What should I do

[Philly215]

Trish, I tried calling Verizon and I was advised that my account was sold to AFNI. From what you already expalined about AFNI, I may have to pull out my boxing gloves! What do you suggest I do next? Since I am a resident of PA should I send a PFD w/a check for $126.00, whcih is the total balance?

Thanks

[Trish]

Hey Philly :D

I answered here in your other thread....
Verizon Issue

[jjgross]

Originally Posted by Philly215

Trish, I tried calling Verizon and I was advised that my account was sold to AFNI. From what you already expalined about AFNI, I may have to pull out my boxing gloves! What do you suggest I do next? Since I am a resident of PA should I send a PFD w/a check for $126.00, whcih is the total balance?

Thanks

How old is this if its over 2 yrs old they can't collect anything all they can is report it for 7 yrs,so you do have some leverage

[Trish]

Originally Posted by jjgross

How old is this if its over 2 yrs old they can't collect anything all they can is report it for 7 yrs,so you do have some leverage

Hey that's right. If it's a cell phone bill......someone had posted that SOL for cell phones is 2 years. Good call jj.
If it's for regular services (we have verizon for phone, internet, etc.) then it falls under goods and services (UCC SOL - 4 years).

[CreditCrisis]

Where can I find the information on whether or not my state honors the RE on a PFD? I’m in California and have a few accounts I would like to do this for.

Also, when doing a PFD, is there any kind of percentage amount that may be more likely to be accepted? For example: I owe $600 would there be a good chance of a PFD for $150 being accepted?

[Trish]

Originally Posted by CreditCrisis

Where can I find the information on whether or not my state honors the RE on a PFD? I’m in California and have a few accounts I would like to do this for.

Also, when doing a PFD, is there any kind of percentage amount that may be more likely to be accepted? For example: I owe $600 would there be a good chance of a PFD for $150 being accepted?

Here's the list of states that honor REs. CA is not in there though. Sorry.
How To "Pay For Delete"
One thing that might work though.....is going off of the CA's state (where their headquarters is). Usually you want it to be your state but if you can enforce the UCC law in their state, you could possibly get them to delete it that way.

As far as the dollar amount......hard to say. It depends on the company and also how old the debt is (the older, the better your chances are). If it's fairly recent and still within SOL, you would probably have to pay the full amount.

[CreditCrisis]

damn okay. thanks for the info! I'll be sure to check there state first

[Trish]

~yw.....

[Philly215]

Hey Trish and JJ,

The Veriozn account is for residential servcice not cell phone. Now I do have a Sprint/Nextel past due cell phone that way over 2 years old since the account went into default. Here is what is showing on my credit report with Trish's previous remark:

CA: LVNV FUNDING LLC
OC: NEXTEL
DATE REPORTED: 02/09
DATE OPENED: 09/07
The date open is the date the CA acquired the debt (not the date you opened the acct with nextel)
DLA: N/A
ACCT TYPE: OPEN - Violation
BALANCE: $250.00
PAST DUE: $270.00
MONTHS REVIEWED: 15
30/60/90+: 0/0/0 (WHICH SHOULD SHOW SOMETHING I WOULD THINK) Actually no. If you have never made a payment or payment arrangement, you can't be behind on payments.
STATUS: COLLECTION

In March of this year I received a letter from LVNV Funding (CA) asking to settle thre acount for %80 which came out to he $104.85. Also in March I received a letter from AFNI to settle my account in full for $63.17 of the $126.33 due.

[Trish]

Oh I remember that one! Did you ever send them out a DV? How's that going?
I hope you snag them on all of their reporting violations.

Wonder (but doubt it) if AFNI would agree to delete it for that amount. That would be nice. Maybe since they offered that, you should send them a check for that amount instead of the full $126......just a thought.