Dena Standley | October 19, 2022
Summary: Is DNF Associates, LLC suing you for a debt? Use SoloSuit's free Answer form to take a stand and win in court.
Being contacted by a debt collection agency is an unpleasant experience that everyone would rather avoid. It can result in a constant stream of phone calls throughout the day telling you to make a payment for bills you cannot afford. It quickly becomes embarrassing and stressful to have consistent messages left on your voicemail, get contacted at work, or when a company contacts your family and friends about a debt.
How can you stop a debt collector? How can you protect yourself legally? This article is SoloSuit's guide to the rules debt collectors must follow and how you can defeat them. Knowing your rights can save you a lot of time, money, and stress if you know how to handle debt collectors like Diverse Funding Associates, LLC.
DNF Associates specializes in purchasing default consumer debts from the original creditor (credit card companies, banks, etc). These purchases are usually made at as little as 8% of the original amount of the debt. This means that if DNF Associates is contacting you about a debt, they would make a huge profit if you pay the debt back in full.
The number of lawsuits filed against DNF Associates LLC on the Public Access to Court Electronic Records ("PACER") website shows just how dissatisfied consumers are with the company. PACER is the federal docket for U.S. civil cases, and it lists legal complaints filed against various companies.
There are 16 lawsuits filed against the agency in the U.S., all based on violations of the Fair Debt Collection Practices Act (FDCPA). DNF Associates LLC might not have a rating with the BBB; 64 Customer Complaints on the website show dissatisfied customers. These complaints involve issues with identity theft, difficulty contacting DNF Associates to discuss settlements, and inaccurate information on credit reports.
U.S. debt buyers are skyrocketing. If DNF Associates LLC claims you owe them money, that does not mean you are obligated to pay. It is common for DNF Associates LLC to purchase undocumented debts, debts that have exceeded the statute of limitations or are illegal. If DNF Associates LLC has dunned you or sued you, you must know your consumer rights. Your defense or your claim against them may be valid.
How do you handle all this pressure? Don't hide your displeasure, especially if it's legitimate. Most credit-tracking agencies have serious flaws. In 2020, more than half of complaints to the Consumer Financial Protection Bureau were from consumers who claimed agencies contacted them about debts they did not owe - a 25% increase from the two years prior.
When DNF Associates, LLC keeps calling you about a debt, you should ask the collector for their name and employee number, the company's address, and more information about the debt. If you want to avoid future phone calls, write them a letter requesting them to stop contacting you via phone. Make sure it's certified mail, return receipt requested, so you have a copy if it persists. Debt collectors are notorious for persisting.
As with any other debt collectors, DNF Associates LLC relies on various sources of information to collect debt. To dispute a claim, consumers need to be thorough and methodical. Gather all of your information and evidence related to the alleged debt. Include all documentation you have received from the creditor and any proof that the debt isn't yours. If any witnesses can attest to you not owing to the debt, you should also collect their testimony.
How you do it:
If you are uncertain about your debt, or the amount owed doesn't match, then your best option is to send a Debt Validation Letter to Diverse Funding Associates, LLC asking them to verify the debt. This type of letter should be clear and concise. Ensure that it contains all relevant information about the debt. The creditor must prove that you owe the debt and provide detailed information and documents to prove the amount due. In many cases, DNF Associates does not have the proper documentation they need to validate a debt. If this is true for your debt, then you may be off the hook.
According to federal law, you have 30 days after receiving a debt notice to file send a Debt Validation Letter. DNF Associates must respond with the following information:
When DNF Associates cannot provide you with all this information, then they must drop the case and cease all contact with you. In fact, most debt collectors give up at this stage in the collection process. It may not be worth their time, money, or resources to validate the debt. To learn more about how to make a Debt Validation Letter, check out this video:
On the other hand, when DNF Associates does validate the debt, you can still send a dispute letter to them and the credit bureaus, including the following points:.
Unfortunately, the debt collection matter often remains unresolved until the information already appears on your credit report, and it can often have a negative impact. You should send another dispute letter to the credit-reporting agency if it makes it onto your credit report, disputing the accuracy of the information and requesting for removal or correction.
Problems between consumers and debt collection agencies are not new. In 1978, Congress addressed the abusive practices of debt collectors by passing the Fair Debt Collection Practices Act (FDCPA). The goal was to give consumers collection rights to protect from harassment and abusive debt collection tactics.
Credit bureaus are required by [FDCPA] to repair or delete any unconfirmed, erroneous, or incomplete information within 30 days. Otherwise, they have broken the law, and you have the right to sue and file a complaint with the Consumer Financial Protection Bureau. Make sure to build a case that is so compelling that the creditor will either have to agree with you or give tangible evidence to the contrary.
The FDCPA outlines debt collection guidelines:
If you're trying to contact DNF Associates LLC, you can send anything in writing to their address at 2351 North Forest Road, Suite 110, Getzville, NY 14068. You can also call DNF Associates at their telephone number: 716-901-0748
DNF Associates, LLC may take you to court over the debt you owe. If you're sued by DNF Associates, you can fight back and win. Here's how.
The first step to beating DNF Associates in court is to file a written response to court Summons and Complaint. If you don't file an Answer within the deadline (14-35 days), you will lose the case by default when DNF Associates files a default judgment against you. A default judgment gives them the right to garnish your wages, put liens on your property, and even freeze your bank account.
Here are 6 tips for drafting an Answer that will help you win your case against DNF Associates, LLC:
Learn more about these 6 tips from SoloSuit's CEO, George Simons, who explains each all in this video:
Debt collectors have a sordid reputation for harassment and abuse. The original creditor provides them with all your personal information stored in a computer database. If a third party gets your account, it has been 'charged off' for non-payment. DNF Associates LLC's livelihood is commission, so they feel no compulsion to be pleasant or polite. However, they do have to follow the law, and informed consumers are making it harder for debt collection agencies to engage in abusive practices.
SoloSuit offers a simple way to respond to debt-collection lawsuits. The application form walks you through all the steps required to complete your application response. To file the paperwork, print and mail the hard copies to the courts or contact SoloSuit to have it filed for you and reviewed by an attorney.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.