Jump to content

Sign in to follow this  
abay

Beginning Repair - Afni (Cox Comm.) Collection Questions

Recommended Posts

Posted (edited)

SORRY IF THIS IS TOO LONG WINDED! I'm in my early 20's looking to clean up my credit due to some naiveness as an 18-year-old. My goal is to get to a point where I can be approved for higher level credit cards and eventually buy a home.  I've read most of the posts in the newbie section and am preparing to start sending letters, but I wanted to run my strategy by someone first and hopefully get some advice. The collection I am referring to is below: 

 

Afni, Inc. ( Cox Communications ) - Reporting on TU and EQ

Amount: $523 (same as the amount from Cox)

DOFD: (not reported on Afni collection) my statements show - 12/2015

Date Opened: 04/2018

First Reported: 05/2018

*note* I do not recall ever receiving a dunning letter from Afni

*note* before CB I didn't know what I was doing and called Afni to ask what this was and how to get rid of it. Was told I had to pay it and they couldn't remove it but only mark it paid in full. Never paid it and was offered a settlement by them which I did call and discuss with them but ultimately never sent a payment. My state law says this doesn't reage the debt, thank goodness. 

 

Arizona sol is 3 years for an oral contract or open account and 6 years for a written contract or credit card. I never signed a contract with Cox, they have a user agreement. I'm assuming the agreement meets the qualifications for a written contract so the sol is through 12/2022. If I'm mistaken in this then I don't think the agreement is legally enforceable ( doubt this is the case ). 

 

I'm hesitant to pursue the 1-2 punch because I would like to keep the option of paying the OC directly open in the future (I can submit a payment online) and want to keep the CRA out of it for now. Further, I'm unsure what the likelihood of a lawsuit is in this case if it's within the sol so I don't wanna push it. So, my strategy is to send a simple DV the CA to request information they hopefully don't want to provide and find out if they own the debt outright:

 

"[Your name]

[Your return address] [Date]

 

[Debt collector name] [Debt collector Address]

Re: [Account number for the debt, if you have it]

 

Dear [Debt collector name]:

 

After reading an article recently about the occurrence of incorrect information being reported to credit reporting bureaus I've become concerned. For this reason, I would like to utilize my rights under the FDCPA guidelines to request that validation of all information pertaining to Acct name, acct # listed on my report is correct and valid. I also request the name and address of the original creditor, the original debt's amount, and proof that I owe this debt to you be provided. Or, please delete this in accordance with my civil rights protected under Federal Law. 

 

Be advised it is inconvenient for me to accept phone calls or any other method of communication other than US mail regarding this matter. Please communicate accordingly. 

 

Sincerely,

Me Dawg"

 

If they own the debt outright then I'm most likely going to send a more detailed DV targeted at JDB along with DV to the CRA.

 

If they are a true CA I will most likely use the Pay OC strategy. 

 

Any input or advice would be very helpful!!!

 

 

 

 

 

Edited by abay

Share this post


Link to post
Share on other sites

Welcome to Creditboards!

We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.

 

Again, welcome to the CreditBoards family!

CB Admin: LKH, Pam, radi8, :angel:breeze:angel: & MarvBear

 

Share this post


Link to post
Share on other sites
Posted (edited)

Have you tried dealing with the OC directly?

 

Here is a thread to consider.

 

If you decide to send the letter I would pare down the content to the bare minimum and use plain English ("This is a request for debt validation for the following account _________________" ).

 

The fact that you were reading an article is extraneous info, and they don't have to prove anything in a DV response.  

Edited by cv91915

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

  • Member Statistics

    • Total Members
      177,778
    • Most Online
      1,528

    Newest Member
    JerHawk
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines