888-622-4773

Bogus poser beware. Must report this practice to better business bureau for action.

A & N Financial Firm
26025 Newport Rd
Menifee, CA 92584 map

888-622-4773

They pose as Legal Offices, called my home and used scare tactics with my daughter who answered the phone that they were sending a Sheriff over to serve papers for a civil lawsuit. Spoke to Sean at A&N who was aggressive, harassing and tried to degrade me over a small amount of credit charged off in 2004.

SAME THING HAPPENED TO US !! SOMEONE CALLED SAID YOUR MOTHER NEEDS TO CALL BACK OR SHE WILL HAVE A BENCH WARRANT !! MY DAUGHTER WAS WORRIED,TOLD HER FOR WHAT?? NOT PAYING A OLD BILL?? SHITTTT ?? AFTER EVERYONE LOSING JOBS,AND HOMES ..... I GUESS HALF OF AMERICA WOULD HAVE A BENCH WARRANT HUH ???

Unreal! Are these people kidding me with this sh*t! This place is not listed with either the California or Nevada Secretaries of State and entities similar in name, all of them, have had their business licenses revoked or PERMANANTLY revoked. I called back immediately and the person answering the phone did not know what type of business they are when I asked, "What type of business are you?"

On january 20,2011, i received a phone call about 730 to 845pm, from this person posing as a legal officer. Stating that he needed me to settle on this account. I proceeded to tell them that it was bogus, and he persisted to ask me if i had any lucturies that I could give up. I did not give him any satisfaction. This is the second time and two different people who have called regarding this matter. I mentioned that I did have an attorney, but that did not matter. They still persisted. Gave me a file number, and proceeded to say that it was going to be processed with a docket number.

All things aside, the people complaining are people who took an extended line of credit and for what ever reason, have yet to pay it back.  When confronted about returning payment, they take offense and find any reason to make it any other problem besides the problem they put themselves in.  All of the sudden, businesses holding people accountable for their debt are scam artist?

To those of you complaining and finding ways to not pay rightfully owed debts,  I wish to say thank you for playing your part in the economic downfall of this country.

Nobody said these people were unwilling to pay their debts they made. The problem with these companies is they make threats and try to collect money on accounts that have already been written off by the original creditor as a loss. The main problem with this company, and many many more like them, is they make false statements, and make threats and say the sheriff is going to serve papers if contact isn't made. Me and husband both have had it out with this company today, and I contacted my local sheriff department. We were advised by the sheriff's department that we should not pay anything or give any additional information to someone we don't know. The funny thing about this situation is, we received an identical call from a MC Group I believe, who made the exact same threats for the same creditor. We requested papers stating the creditor and the amount owed on the account, and we received nothing. Today, my sister-in-law who is states away received a call from this A&N financial group, who told her that if my husband didn't contact them within an hour, a sheriff would be there to serve papers. First of all, it doesn't work like that.. You have to file with court first before serving anything, so that's making a false statement and a threat that they have no intentions of following through with. After I found out, I called the number that was left with her, and I was told unless I paid $1023 or $734 today, over the phone because they only do electronic transactions, that the case would be turned over to processing. None of it makes any sense. If they were just then, going to turn  it over to processing, how would the sheriff serve papers that day? There's too many holes in their stories for me to take them seriously. They told us we would should receive the papers stating the information on this case by Friday. Even though they said they sent us papers 45 days ago.
So this has nothing to do with me or my husband not wanting to pay our debt, we know we owe it and are responsible for it. But we also know that if we intend to pay this debt, we have a right to contact the original creditor, and pay them directly. So them calling me, or my family and harassing them, isn't going to get anything out of me but an ear full of words.
Oh and for the people who receive calls from these people that show up one number, and are asked to call a different number, we were told they hire outside processing servers to make their calls for them. They stated they do not make outgoing calls themselves.

It sounds like you work for this company.

First of all, my husband and I didn't disregard anything! Because we didn't receive anything to disregard in the first place! And who are you to call me an idiot? Now I am almost convinced you work for this company.

We received calls from a totally different company in November, claiming to be collecting a debt for the same account. They too, threatened to "serve papers" if we didn't respond and pay something. My husband called them back later that evening, we asked they send papers stating the amount we owed, and to what account it was in reference to. Needless to say, we received nothing from this company. Then on February 16th, my sister-in-law received a call from this A&N, who were coincidentally attempting to collect on the same account as the company who contacted us in November.

And as far as what we owe, it's really none of your business. All that matters is we know the truth, whether it's $0 or $5000. And for this reason is why I am always aware of what is in our credit reports. Which I  just so happened to check after receiving the second call about this account.

And yes, A&N and the other company that contacted me made threats they had/have no intentions of following through with. When A&N contacted my sister-in-law on February 16th, they asked if someone would be home to accept papers, because if my husband didn't respond within the hour a sheriff would be there to serve them. This is wrong in so many ways. How could they possibly serve papers to my sister-in-law for my husband in a state he doesn't even live in? And it's obvious they had no intentions of serving anything, considering there were no records of anything filed against my husband by this company on this day or any day before. You can't just magically make papers appear, it takes time, and not in a matter of an hour or two. And just for the record, there was nothing filed by the previous company who contacted us about this account. And it was well beyond an hour, before contact was made. When we did contact them, my husband basically called them out on being scavenger debt collectors, and told them we weren't paying anything until we received something in writing stating the account info. They claimed they had sent us papers 45 days prior to contacting us. Again, we received NOTHING. They tried to say that since they had already sent paperwork out once, (45 days ago, supposedly) if we could not pay anything that day (this is when we were given the 2 options) he would have to forward the account to "processing". To which we replied with informing them that we had contacted our local sheriff's department and we were advised not to send money to anyone we didn't know or have something in writing stating the debt. At this time he told us he would try to persuade "them" to hold off on processing and allow documentation to be sent "again" , then he put us on a fake hold which actually lasted maybe all of 10 seconds. He returns to the line and tells us the request was approved and he would have his secretary send the paperwork out that afternoon, and he would have the papers by that Friday (18th) or Saturday (19th) by the latest. Well Friday and Saturday both came and went without receiving anything from this company. So since the following Monday (21st) was President's Day, my husband said he would give them until Tuesday (22nd). Well again, nothing from A&N. My husband decides to call them that evening and inform them we failed to receive their supposed paperwork they were sending. They said they sent it out, which is what we figured they would say. My  husband became overly agitated at this point. He asked if they sent it certified mail, and when they replied with "No", he asked them how we could be sure they even sent anything if they didn't send it certified? Anyone can say they did something, but unless you have documentation, you can't prove anything. That would be like me claiming to be a certain age, if I don't have a birth certificate or other form of identification proving that, nobody has to believe me. Anyways, they asked we give it a few more days to get here, and to be sure and call once we receive the papers. So we agreed, to humor them. As of 3/1/2011 we have received no paperwork from A&N.

And for the record, I could care less if they made their senseless calls everyday to me or my husband. But when they go and contact other family threatening to be served by papers, is crossing the line! When they called my sister-in-law, she of course was confused, so she called my brother, who in turn called my mom. My mom has heart disease and hypertension, among other health issues, upon hearing this she immediately became upset and her BP shot through the roof and was very close to stroke range.That is what I will NOT tolerate!!  GOD FORBID, something would have happened to my mom because of this ridiculous bull sh*t, I would be the one making threats about serving papers. Except they wouldn't be threats, they would be promises.

So if you want to pay them money, you go right ahead. But for myself and my husband, we will not pay anything to anyone, without something in writing first. And they can say they sent papers all they want, but until I have something in my hand, their words are worthless to us.

Notice my reply to you above.

What is it and you calling people names? Wow. Get over yourself! You have no right to call anyone an "idiot" or a "deadbeat". You yourself were in debt, and were getting the same calls from this company. So you're not perfect just because you fell for the lies, and decided to pay them money.

And how exactly was Denise sly about dodging her responsibility? She didn't come across that way to me at all. She just stated what happened. Of course, I'm sure you'll say I agreed with her because I also slyly dodged my responsibility.

If you don't work for this company ( which I strongly suspect you do), then I feel sorry for you for being gullible enough to believe their lies and threats. But just because the rest of us didn't fall for it, doesn't make us the cause of the economic downturn as you call it. I suppose it has nothing to do with the government or outsourcing? Wait! Do you work for the government or A&N?


Btw, did you know gullible isn't in the dictionary?

You sure do have some nerve! Think what you may about me, but I could care less. All you got out of my posts was that I owed money and was refusing to pay. You see nothing wrong with this company, and the way they're going about pursuing people? REALLY? Nothing at all? Wow..

And I shall state again, I never once said we refused to pay anything!! I did, however say I wasn't going to send some random company money knowing nothing about them or the supposed information they have of me and my husband. We've requested papers twice from this company, and never once received anything. How do you expect me or anyone else to pay money to someone that we have no documentation on? That sure doesn't sound very smart does it? Did you just receive one threatening phone call and then agree to pay? Because if that's the case, well that's your own stupidity.

And since when are you GOD and have a right to judge me for anything? Are you perfect? I think not, because there's only one person who is and it sure isn't you!

Furthermore, please enlighten me how exactly I've tried to "dodge or duck my financial responsibility".

Btw, I'm not the one who needs luck, considering I'm not the one paying money to a potentially bogus company for a potentially bogus debt. They've yet to send papers proving anything, so I until I know otherwise, they're just some people calling me and harassing me.

Go back to work now, you're not going to making any money harassing people on here.

Annoyed---
Ignore this and the other collector shills who can't come up with anything original other than to say: "Pay our bills". That is not the point of this discusssion and they KNOW it.

As Clark Howard says:

"THIS IS NOT A DISCUSSION AS TO WHETHER OR NOT WE SHOULD PAY OUR BILLS. THIS IS WHAT OUR RIGHTS ARE ON OLD DEBTS".

http://www.clarkhoward.com/news/consumer-issu ... ollectors/nC2W/

They have violated several FDCPA laws, including:

--Refusing to validate the debt,
--Making threats which are illegal and they have no intention of following through with,
--Discussing the debt with third parties, and:
--Harassment and abuse.

Stay OFF the phone and retain a good consumer law attorney.

Thank You! Finally someone gets it! I'm not worried about it, because I'm convinced that "G Lewis" is an employee of A&N.

I know I did my part in requesting documentation on the company and the supposed debt. February 16th was the original date we first requested verification of this debt. Isn't the limit 30 days? The way I understand it is after that 30 days, they no longer have a right to contact or pursue me for the supposed debt since they failed to validate the debt.

You know, you're really starting to piss me off. You say you don't work for them, but I still think you do. If you don't, why are you so concerned about everyone not paying them money? And don't say you're just trying to defend them, that's not good enough. If they were such a good company and helped so many people, why are 98% of the posts about them negative? OH I KNOW, they're "dirt-bag low life's" ,or idiots, or dead beats, oh and thieves! They too are refusing to pay their debts.. Whatever.. *eye roll*

I'd like to know where I said I refused to pay? WHERE did I say that?? Show me. I said I wasn't paying anything until they sent me something validating the debt. I have the right to request that information. Why is that so unreasonable? Anyone can call you and say you owe them money,but it doesn't mean the alleged debt is valid. Hence asking for validation. However, they STILL have yet to validate this. And you know, you say you paid your "outstanding debt" to A&N. Ok, fine. But I have never owed them money.

Well as long as you're happy with your decisions.

My original call from this company was on February 16th, when they threatened to serve me. ACTUALLY, threatened to serve my sister-in-law. Well, wednesday will be 4 weeks, i'll give them til friday making it 30 days exactly. If by that time, they've still yet to send me paperwork validating the debt, it's over. We've asked numerous times for paperwork validating the debt, and they've yet to send it. Which is not my fault, because had they of sent it and the debt been in fact valid, my husband probably would have been willing to work something out.

A few days ago I got a call from another company claiming I owed them money for an account that originated on January 1998 and was closed on 2002. Well first of all, I wasn't even 18 yet, so no way my mom would have allowed me to have a credit card. And second of all, they had the wrong person. It was the same name, but when they went to verify it was me and said the last four of the social, it wasn't my number. So this is exactly why we're not paying anything until we get proof it is in fact our debt. Yeah, we could verify socials, if they actually knew it.

Who cares what you think? You are nothing but a shill posting fake abusive posts to help this scam along. I've read plenty of them on 800notes. You may want everyone to pay 50-year-old expired debt but the Statute of Limitations http://www.fair-debt-collection.com/SOL-by-State.html says expired debt does not have to be paid. Debtors beware the SOL does not forbid continued collection attempts on expired debt so expect continued harassment. http://www.fair-debt-collection.com/state-wage-garnishments.html discusses what you can expect from court garnishment. Be aware the collector may be only taking large debtors to court while trying to scare smaller debtors or whose debts have expired with threats of court action. The debt collection game has many permutations and only you can decide how to play the game out.

THIS MAY BE A SCAM. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

The threats posters have noted but which you fail to address are:
1. lying about court summons being promptly served by the sheriff
2. threatening bench warrants (implying arrest)
3. refusing to work with alleged debtor's attorney as required by law
All the above break FTC rules on debt collection as discussed here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm 
Save your righteous anger - you're nothing but an abusive shill, break debt collection rules right and left as it suits you.

G Lewis is an abusive shill for this scammer debt collector who does not send the required paperwork within 5 days of initial contact as required in Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf  Treat this abusive debt collector like you would any SCAMMER.

Cute story but I don't believe it. Your advice only helps the debt collector to collect on debts the collector has no intention of taking to court. Ignoring the fake scammer posts, your scammer collector does not send out the required paperwork within 5 days of initial contact as required by the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf 
1. amount and the name of the current creditor (which may differ from the original creditor who might have sold your debt),
2. that debt will be assumed to be valid unless you dispute in writing within 30 days,
3. that if you do dispute in writing, the collector must mail you written verification of the debt,
4. that if you ask the collector in writing, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the paperwork (you do not have to ask for it, the FDCPA requires the collector to send it), treat the collector like you would any SCAMMER.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

I too recieved a call from these people, it was almost 2 months ago. One they started they little spiel I hung up and then set up a recorder to record if they called back. Sure enough, about fifteen minutes later they called back. Here is a transcript of the conversation. I've changed my name and other identifying information, so they can't use it against me.

CALLER: Good morning, I'm calling to verify that someone would be home who can accept legal documents from the Sheriffs department on behalf of Robert Smith.

ME: I'M Robert Smith. When should I expect them?

CALLER: Right now, sire, I'm just calling to verify information so that the company who hired me can send the documents along. Is your address still 1234 Elm Street?

ME: No, I haven't lived there in almost 3 years.

CALLER: Maybe I should put you in touch with the legal office who is handling this matter so that you can update your contact information.

ME: What's this about?

CALLER: Sir I'm conducting what is called a field trace, to verify geographical information. The information that I obtain will be used to prepare a legal complaint against you. Other than that I really don't know what the complaint would be about. I do work on both civil and criminal cases.

ME: So you're not with the Sheriff's department?

CALLER: No, Sir. I'm an independant contractor. I use the Sheriff's department, in most cases, to serve the summons when I get them.

ME: But you just said you were calling to see if I would be home to accept papers from the Sheriff.

CALLER: In a sense, yes, I did. But what you misunderstand is that the a Sheriff's Deputy will actually hand you the paperwork. Not me.

ME: That's pretty deceptive little spiel you've got.

CALLER: With all do respect sir. I've got more calls to make. If you would like I could give you the contact information and the file number to the legal office that's handling this complaint.

ME: Sure, what is it.

CALLER: Have you got a pen handy?

ME: Yes

CALLER: The number is 888 622 4773 and this file number is XX-1234. If I were you I would contact them immediately. Once these go to the courts and a docket number is established they will only make two attempts to serve you with the summons before attempting to notify you by placing an ad in your local paper. At that point they will have the court hearing without you.

----- Caller Hung UP-----

I recieved a call from my sister later that morning and she had gotten a similar call. She said, however, that the sheriff was coming to her house.  When I played the tape for her she said she must have misunderstood what the caller had said. I can see how.

I called them to see what this was all about. Of course I recorded the call. The first person I spoke to asked me for my name and file number: She transferred me to Jeff Lawrence: Below is a transcript.

JEFF: Claims litigation, this is Jeff Lawrence.

ME: Yes my name is Robert Smith and I'm calling about file number XX-1234

JEFF: Okay sir, just to verify that you're in fact Robert Smith could I get you to verify the last four digits of your social security number.

ME: I'm not going to give you my social. I don't know you.

JEFF: Sir, I can understand your hesitation but in order for me to disclose these details to you I need to know that you are the correct individual.

ME: I just told you who I was.

JEFF: Yes, but the law forbids me from disucssing your information with a third party. I could tell you my name was Paul Bunyun and just because I've stated it, that doesn't make it so. I have your full social, sir and once you verify the last four I will confirm the first five for you.

ME: Fine, it's 2222

JEFF: I have a full social of 222-22-2222.

ME: Okay, so what's this about?

JEFF: Sir, my firm is in the early stages of filing a lawsuit against you.

ME: What for?

JEFF: An outstanding financial obligation, Sir. The original line of credit was through a Furniture store and financed by Wells Fargo. The account was opened in December of 2007. Looks as though you payed on it for a little over a year, was in their in-house collections for a little over 6 months before it was contracted out to a third-party debt collector. When their collection efforts were fruitless they sold the debt. It looks like our firm purchased this particular debt forty-nine days ago.

ME: So, why am I just now hearing from you guys about this debt?

JEFF: Sir, you're not hearing from us. You called us.

ME: I mean why haven't you called me before now?

JEFF: We're not required to sir. The FDCPA requires that we do two things. The first is send a letter notifying you of the transfer of this debt and the second is that we send a demand letter that gives you or your attorney 30 days to respond, in writing, to either dispute this debt or to pay it off. When you failed to respond to that demand letter it was escalated to what is called an asset and liabilities investigation. We conducted these investigations to determine whether or not it would be worth pursuing you in court. If we determine that it would be worth our efforts, the we would seek a ten-year judgment and when we're awarded that judgement we would recoup these funds through either wage attachments, bank account levy, real estate or motor vehicle liens.

ME: What does that mean?

JEFF: Well, in the case of the wage attachment,  it means that we would be granted to authority to send an order to withhold wages to your employer. This would obligate your employer to send us 25% of your wages before he cuts you a check. The only thing we would not be able to take from you is about $366 a month. This varies depending on your income. But say you make $400 a month, we would only be able to take $34 a month. If you make 500 a month or more we would get the entire 25%.

ME: And you're going to take me to court over a $2000 debt that's almost 3 years old?

JEFF: Not exactly, no. If we determine that you meet the criteria then we would be pursing you for much more than that. Can I ask why you're just now responding to that demand letter?

ME: I never got it.

JEFF: Let me look to see where we sent them, sir. Just give me a moment. Looks like the first week of January we sent a demand letter to the following three addresses. (he listed off my last 3 addresses, none of which are current.) And you say you didn't recieve it?

ME: No. I don't live at any of those addresses anymore.

JEFF: How long has it been since you were there?

ME: 3 or 4 months.

JEFF: And you didn't leave a change of address at the post office?

ME: No.

JEFF: Why not?

ME: Who cares why, "why not?"

JEFF: Relax sir. There's no need to get upset. It was just a question. When I move I always put in a change of address so that people who are interested in staying in touch with me can get in touch with me.

ME: So, what now? When do we go to court?

JEFF: Since we're speaking that entirely depends on you sir.

ME: What's that supposed to mean?

JEFF: Well, I could see if the higher-ups would be willing to reinstate the settlement offers that they included in the original demand letter. Would you like for me to do that for you?

ME: Sure.

JEFF: Okay, Mr Smith. I'm going to put you on a brief hold and I'll be right back.

ME: Okay.

(about 4 minutes pass)

JEFF: Okay, sir. It looks as though they extended two offers in the demand letter. The first of which is to repay $3,788.93...

ME: $3,788.93? Bull-[***]. I didn't owe that much.

JEFF: Sir, If you would let me finish and mind your tone of voice with me. If you don't I will terminate this call and you can take your chances that this investigation turns out in your favor.

ME: I'm sorry.

JEFF: No need to be sorry, Sir. Just be respectful and I'll do the same. Okay?

ME: Okay.

JEFF: Now, they originally asked you to repay $3,788.93, with an initial installment of 20% and the balance spread out over 12 months. The second option was to repay the original principle of $1987.04 in full.

ME: I can't afford that.

JEFF: I didn't suspect that you would be able to. I think that if you would have had the ability to repay this debt, it wouldn't have ever reached the early stages of litigation.

ME: You know, when the housing market took a dump he crapped all over me and my family. That furniture that we bought was in the house that we were evicted from.

JEFF: I'm sorry to hear that.

ME: No you're not. Don't try to BS me.

JEFF: I'm not trying to BS you sire. I understand, fully. I've been in well over my head several times during my short life. Looking at your file, you're considerably older than me and I'm certain that you've seen more of what life can throw at us than I have. However, during and after college, I was evicted from my apartment three times because I was so far behind on rent. Then, after I graduated and got a job, I had my car repossessed because I got too far behind on my payments. That was just three years ago. I've made some strides in getting caught up but it wasn't easy.

ME: I hear you. I'm still trying to help my kids repay their student loans. Those things are ridiculous.

JEFF: Yes, they are.

ME: I'm the only one working right now. My wife has been laid off for about sixteen months now. The real-estate market just isn't what it used to be. We got conned out of almost six thousand dollars trying to keep our house with one of those fake loan modification companies. My kids send me money from time to time, when they have extra.

JEFF: It's good that you have those familial bonds. My father and I haven't spoken in years and when I try to patch things up, I realize he's still the same man and isn't ever gonna change. It's good that your relationships with your children and wife are good.

ME: Yeah, My kids make me proud.

JEFF: I bet. What did they go to school for?

ME: One of them teaches theatre down in Bakersfield and the other is a liberal.

JEFF: (laughing) A Liberal, huh? You can goto school to be a liberal?

ME: (laughing) He's a activist, an attorney who does too many pro-bono cases. He shares a bleeding heart with his mother.

JEFF: Sounds to me like he shares it with you, too. Didn't you say you're neglecting your own responsibilities to make sure his needs are met?

ME: I guess so.

JEFF: If he were my son, I'd be proud.

ME: I am. He's a good kid.

JEFF: I bet.

ME: Look, Jeff. What can I do to prevent this thing from going to court? I can't afford to pay you 20% of almost four grand right now, much less almost 2 thousand.

JEFF: Let me see what I can do to get those settlement offers lowered for you. I'm gonna put you on a brief hold and see how much leeway they can give me.

ME: Thanks.

JEFF: Okay, Mr Smith. This is what I can do for you. There are two offers as in the original demand letter, however I have recalculated them based on the original principle and our firm's costs-to-date. We ask that you repay $1092.37 over a six month period with an initial installment of 20%. The second offer is a paid in full offer than requires one payment of $633.89. That's roughly 32% of what you owed on the furniture. Which of these options are you able to commit to today?

ME: I need to talk to my wife.

JEFF: Okay, Mr. Smith. How much time do you need to make this decision?

ME: I'll talk to her tonight and call you back first thing Monday. Okay?

JEFF: Okay, you can reach me directly at 888-622-4773, extension 2310. I'll notate this file just in case I'm not here, whoever you speak with will know what I've offered you. Okay?

ME: Thanks, Jeff.

JEFF: Thank you. Talk to you Monday.

------- End of Call -----

I've forwarded these transcripts to my attorney and he says that the FDCPA has not been violated by this call because Mr. Lawrence never said that he was taking me to court. Yes, he alluded to it being an inevitability but my attorney says I have no claim against this company.  Their tactics are a little deceptive and aggravating, but I don't really blame them. I owed this money to Wells Fargo and now I owe it to A&N Financial. My attorney is encouraging me to settle before they file papers with the court and I think it's probably my best option.