Release of debt or settlement letter

by Aji
(Atlanta GA)

I agreed to settle a debt in Sept 2009 for an old credit card. I was threatened with being sued, or garnishment of wages. I was 6 months pregnant and scared if I didn’t settle I would be in no position to pay after my son was born. I agreed to 3 auto drafts to settle the balance. They turned around a year later, sold that remaining debt to National Action Financial Services. NAFS will not stop calling until I provide a release of debt or settlement paperwork. After my last payment was deducted in Nov 2009 I repeatedly called and asked for the release of debt letter as I have been doing now to stop the new calls. These people are idiots. APM is not a professional business, but rather idiots who answer and make calls all day and place you on hold only to be picked up by another idiot who will inevitably do the same. I still have not received my letter and will be taking further action.

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Mar 07, 2011
Release of settlement letter


We can only imagine how stressful this was for you. Did you get anything in writing when you agreed to settle the debt? We strongly recommend that consumers do not accept settlement offers unless they have something in writing spelling out the terms of the offer.

If you did not get something in writing, it may make resolving this more difficult. We would encourage you to talk with a consumer law attorney who can explain your rights and help you figure out what to do next. If the debt collector has violated any of your rights under the Fair Debt Collection Practices Act, the attorney can help you figure out how to proceed.

Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here. There is no fee unless you recover with this: Under the Fair Debt Collection Practices Act, if it turns out the debt collector is breaking the law it must pay the attorney's fees.

Please let us know how it turns out.

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