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Verizon Charge Off - AFNI Inc.

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helpwithcleanup



Joined: 28 Apr 2009
helpwithcleanup's page
Posts: 4



210 Magic Points

Subject: Verizon Charge Off - AFNI Inc.
 
Posted on Sun May 03, 2009 11:02 pm  

Hello to all!

I am in the process of cleaning my credit report & I have a question about paying a OC or CA on a charge-off...My understanding is that when the OC charges-off your account, you can no longer pay the OC...Is this true?

I am now trying to plan my attack for this Verizon charge-off!!!

I don't know if I should send a PFD to AFNI and hope they except & then try to GW the crap out of Verizon & hope they will delete after I pay AFNI

Please help!!!!!...Don't know what to do


See below....This is my recent info from my EQ,TU, & EX credit reports (The account numbers are different between AFNI & Verizon, but I know its the same debt)



EQ Report-4/24/09

Verizon Nj
Status as of -Oct, 2008
Date opened-Feb, 2004
Date of last activity-Mar, 2005
Date closed-Not Reported
Account number-Not Reported
Loan type-Not Reported
Largest past balance-Not Reported
Terms-Not Reported
Account Type-Open Account
Account holder-Individual
Scheduled payment amount-$0
Descriptions
• Charged off account
• Account closed by credit grantor

Balance-$128
Current Status-Bad debt/collection
Past Due Amount-$128

Seven year payment history
30 days late-0 times
60 days late-0 times
90+ days late-1 time (Mar 2005)
Worst Delinquency-120+ days past due



Afni-Bloom
Status as of-Oct, 2008
Date opened-Not Reported
Date of last activity-Nov, 2004
Date closed-Not Reported
Account number-Not Reported
Loan type-Not Reported
Largest past balance-$116
Terms-Not Reported
Account Type-Open Account
Account holder-Individual
Scheduled payment amount-$0
Descriptions
• Collection account

Balance-$116
Current Status-120+ days past due
Past Due Amount-$116

Seven year payment history
30 days late-0 times
60 days late-0 times
90+ days late-0 times







TU Report-4/29/09

Verizon Nj
Status as of-Oct, 2008
Date opened-Feb, 2004
Date of last activity-Not Reported
Date paid out-Not Reported
Date closed-Sep, 2005
Account number XXXXX70
Loan type-Utility Company
Credit limit-Not Reported
Largest past balance-$0
Terms-Not Reported
Account Type-Open Account
Account holder-Individual Account
Scheduled payment amount-Not Reported
Descriptions - 0.Canceled by credit grantor

Contact Information
500 Technology Dr
Suite 300
Weldon Spring, MO 63304

Balance-$128
Current Status- Charged off as bad debt
Past Due Amount-$128

Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported





Afni-Bloom
Collection on debt to: 10 Verizon Inc
The collection agency "Afni" was hired to collect a debt of $116 originally owed to "10 Verizon Inc" on account number "XXXXXXXX56".
Collection Agency -Afni
Original balance-$116
Current balance-$116
Status-Not Reported
Date assigned-Jul 11, 2008
Date reported-Oct 19, 2008
Date last active-Not Reported
Date paid-Not Reported
Date closed -Not Reported
Original lender-10 Verizon Inc
Account number-XXXXXXXX56
Type of account-Not Reported
Account holder-Individual
Type of credit-Not Reported
Payment status-Not Reported
Largest past balance-Not Reported
Amount past due-Not Reported
Account descriptions-Not Reported










EX Report-4/09/09

Verizon Nj
Address: 500 TECHNOLOGY DR
WELDON SPRING, MO 63304
No phone number available
Account Number:XXXXX70


Status: Account charged off. $128 written off. $128 past due as of Oct 2008.
Status Details:This account is scheduled to continue on record until Dec 2011.


Date Opened:02/2004
Reported Since:12/2005
Date of Status:10/2008
Last Reported:10/2008
Type:Utility
Terms:1 Months
Monthly Payment:$0
Responsibility:Individual

Credit Limit/Original Amount:Unknown
High Balance:NA
Recent Balance:$128 as of 10/2008
Recent Payment:$0

Creditor's Statement: Account closed at credit grantor's request.

Account History:Charge Off as of Oct 2008
Collection as of Oct 2007, Oct 2006, Mar 2006, Dec 2005

Afni-Bloom
Account Number:20.........
Original Creditor:VERIZON INC.
Status: Collection account. $116 past due as of Oct 2008.
Status Details: This account is scheduled to continue on record until Aug 2011.


Date Opened:07/2008
Reported Since:10/2008
Date of Status:10/2008
Last Reported:10/2008
Type:Installment
Terms:1 Months
Monthly Payment:$0
Responsibility:Individual

Credit Limit/Original Amount:$116
High Balance:NA
Recent Balance:$116 as of 10/2008
Recent Payment:$0

Account History:
Collection as of Oct 2008
LT



Joined: 30 Jan 2009
LT's page
Posts: 57



2338 Magic Points

 
Posted on Mon May 04, 2009 12:02 am  

You should first send the collection companies, validation of debt letters certified mail. If they can not properly validate the debt they must delete the account. After that you might send Verizon a pay for deletion letter and offer to pay the entire balance since its so low. Good luck, but remember the collection companies are not your friends. Good Luck
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 446



10890 Magic Points

 
Posted on Mon May 04, 2009 10:50 am  

Hi Helpwithcleanup
If the original creditor charges off the debt and the debt is still with the OC, you can negotiate with the OC and pay off the debt. Now, if the OC still owns your account, you can also negotiate with him to remove the charge off listing from your credit file.
Before sending any PFD agreement, I think that you should get the debt validated. You can find sample debt validation letter by visiting the letters of credit section.
_________________
SCOTT

Use your credit account responsibly and enjoy a debt free life.
champan
Guest






Subject: limit on debt amount charge off
 
Posted on Fri Apr 23, 2010 2:38 pm  

is there a limit on an amount to be charge off and can it be charge off before 180 days i paided verizon the $20 i owed the account was opened in august an closed in november same year i just got a cr a it charge off there was no contract just a trial offer what can i do?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: limit on amount to be charged off
 
Posted on Sat Apr 24, 2010 10:37 am  

Hi,

Can you tell as to what limit you are talking about? Is it the time limit? There no specific time limit after which a creditor may charge off your account for going delinquent on it. When a creditor realizes that he won't be able to get the money from you he writes that off as a loss, and charges off the account to a debt collection agency.

Thanks,

Aaron
_________________
Keep in touch Smile
cinnamngrl



Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320



6413 Magic Points

 
Posted on Sat Apr 24, 2010 2:52 pm  

champan,

you can file a complaint with Telecommunications Agency and your attorney general
_________________
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW
Tiffany
Guest






 
Posted on Thu Nov 18, 2010 3:22 pm  

Hello!
I was searching a way online to deal with the same thing you are talking about and this post came up. I am so beyond frustrated. Mine is for $123.00 but can't seem to get answers about anything! Good Luck! Thought I would let you know you arn't the only one.
cinnamngrl



Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320



6413 Magic Points

 
Posted on Sat Nov 20, 2010 2:03 am  

Tiffany if you look at the original post it says that the date of last activitiy is 2004. this is 6 years. there is a 2 year statute of limitations under federal law. can you tell us what the last date of activity on your account? this would be 30 days of last payment.
_________________
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW
Candace
Guest






 
Posted on Fri May 20, 2011 8:11 am  

I got a negative remark on my credit report for 106.00 I have never paid anything late before and now am pissed. I do not owe verizon anything in fact i have a 4.17 cent credit because I over payed. What is my next move? We are military and living over seas so this does not make it any easier....
crorkz matz
Guest






Subject: TMhXnEFLtLVGpQ
 
Posted on Mon Aug 04, 2014 10:47 am  

L1eI5t This is one awesome article post.Much thanks again. Keep writing.
crorkz
Guest






Subject: YaOAFtnNjkKgVGZ
 
Posted on Tue Aug 05, 2014 12:15 pm  

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Tab
Guest






Subject: Verizon charge off/ In collections
 
Posted on Wed Jan 10, 2018 6:01 pm  

Im having the same issue only thing it says, I paid off 100% of the original amount. How can I have this removed details below;

Monthly payment - $0
Opened - Sep 8, 2014 (3 yrs, 4 mos)
Term - 0 months

Account status -Closed
Type - Utility Company
Responsibility - Individual
Remarks - Collection Account, Account closed by consumer
Times 30/60/90 days late - 0/0/0
Closed - Nov 2, 2016

You've paid off 100% of the original amount.
Balance
$520

VERIZON
500 TECHNOLOGY DR SUITE 300
WELDON SPRING, MO 63304

Help???

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