There are different situations where you might be dealing with DNF Associates LLC. For example, they could be calling you, and you want it to stop. You might have also checked your credit report and see a negative listing there from DNF Associates as a collection account.
If you want to stop dealing with DNF Associates and delete them from your credit, there are steps you can take.
DNF Associates LLC is a debt collection agency. DNF Associates buys debt from other companies, so you haven't heard of them before, even if you legitimately owe the debt they're contacting you about.
When you get a debt with an original creditor, the company might sell it to a third party like DNF Associates for a portion of its worth if it becomes past due. Then, DNF Associates will try to collect on that debt to make a profit from it. Different laws apply to third-party debt collectors than what’s applicable to original creditors, so the distinction is important.
DNF Associates doesn't collect on behalf of companies. Instead, it buys debt outright from companies. They work across industries and purchase bankruptcy accounts, including both Chapter 7 and Chapter 13.
This company is real, and they aren't a scam. They do business in New York and are legitimate debt collectors, but you still have to go through the steps to verify your debt and make sure there aren’t mistakes.
If DNF Associates calls you, they believe you owe a debt they've purchased. They are trying to collect that debt. However, you might not actually owe the money, so it's important to take steps before you agree to anything with this company.
There are three parts to the process of debt collection. They can look like this:
Another relevant law discussing debt collectors like DNF Associates is the Fair Debt Collection Practices Act. This law prevents collectors from discussing your debt with your family or employers. It puts limitations on the time of day when collectors can contact you, prohibits harassment and threats, and provides remedies if you want to stop contact with a collection agency.
This law requires that a collector stop trying to collect from you if they can’t verify the debt.
The Fair Credit Reporting Act is an important consumer protection law in the U.S. that applies broadly to everyone. The FCRA protections focus on making sure that consumers’ financial and credit information is accurate and maintained properly and that consumers have privacy as far as the disclosure of this information. The FCRA also gives consumers the right to dispute any wrong information that a debt collector is contacting them about or that is listed on their credit report. Reasons for wrong information that could require a dispute include:
If you believe that DNF Associates are contacting you because of a mistake, you should reach out to a Fair Credit Reporting Act attorney. Ignoring the problem can make it worse, and trying to manage it on your own can also.
If an FCRA attorney believes the best course of action is disputing a debt, they can handle it from start-to-finish on your behalf.
If you've followed the steps to dispute a debt with DNF Associates on your own, in theory, they should delete the information from any credit bureaus where it's reported and cease their contact with you.
That's not always what happens, though.
Debt collectors can be notoriously difficult to deal with. They might not agree with your dispute, or they could be non-responsive. You might not have ever gotten a debt validation notice, or it could be that DNF Associates said they'd remove information after an investigation but have yet to do so.
In these scenarios, you continue to have to deal with the impacts of a debt you don't owe. Legal help can get the attention of a debt collector, and there might even be opportunities to get compensation based on non-compliance with federal laws like the FCRA.
If you're struggling to deal with DNF Associates, contact Fair Credit. We're a legal team specializing in the FCRA, helping consumers exert their rights under federal law when dealing with debt collectors. Get in touch today for a free review of your case.