Received voice message on my cell phone telling me there is an important matter this Robert (unknown last name) needs to speak to me about, this is not a solicitation, but due to the sensitive nature, he can not leave further information.  Please call back at 877-829-7982.  This is the same number that comes up on my caller id.

annoying call: this is not a marketing call don't hang up we have an important call for you repeated and repeated .....

Yes, I received several messages on my cell phone voice mail. These were from a total jerk who left this message, " This call has been placed in error you may reach them at 1-877-829-7982, I am required by law to inform you that this is a call from a debt collector. The phone number again is 1-877-829-7982 and ask for *Mr. Bill Wilson's National Action Financial Services and thank you in advance for your time and cooperation"
  This man sounded as if he were drunk as his words were slurred. Naturally I googled the phone number and found numerous sites where people told their stories of how and why they believe this is a scam. Ahh what a way to make a living. Not sure of which company he was calling on behalf of because his voice was very difficult to understand but it sounded like he said, " Ask for Bill *WIlson's National Action Financial Services".

*--Sounded like the last name was Wilson but was so heavily slurrred I cannot be positive.  

I googled National Action Financial Services and arrived at this web site, http://www.debtconsolidationcare.com/collection-agencies/nationalaction-financial.html
 There you will find a great article written by a reporter by the name of Good Nelly who has a column entitled "Ask Nelly". She tells us, among many other things,  that the National Action Financial Services received an "F" rating from the Better Business Bureau and was sued and fined by New York State Attorney General Andrew Cuomo in 2007. This article is well worth reading.



Pat

National financial services  877-829-7982 wanted to verify my last 4 digits of my SS# in order to ask me about another one of their clients.   I told him I wouldn't do it and hung up.

I actually got a call from a human, with a name that I immediately forgot since I am not calling him back.  He said he is from a collection agency.  He didn't ask for anyone in particular just we had better call him back by 5:00 to get this resolved.  Because he didn't say who he need to talk to or what needed to be resolved, I'll be damn if I'm going to call him back.

I don't get this call  10xday, but it is every night, and when I didn't answer it's like a recording, um when I don't answer the vm is a recording well, it sounds like one probably a man I don't know, but it's annoying...

It's obviously just a con game.  They get people's cell phone numbers through one source or another, and when anyone stupid enough to call back does so they ask questions that cause you to divulge information.  They then make up some phony debt and try to collect it.  My advice to anyone getting these calls is to ignore them or figure out a way to block them.  On my Blackberry I just create an Address Book entry for them with a special ring, and make that ring silent.  Then I just delete the message without listening to it.

left msg saying they are not to be taken advantage of and to call robert fering? at #

but please just stop calling me! so annoyed.

I have received the same calls as mentioned with the EXACT same wording.  This has to be some kind of scam and it is unfortunate that anyone should have to tolerate this kind of harassment.

i got the exact same message as JLK in the previous box! exactly the same! im wondering...do u get this call 10 times a day every day yet when u answer they wont say anything? this is what they do to me. they claim to be from some debt collections agency, except... i dont have anything that would have been sent to a collection agency!  i think its pretty f#cked up myself, and i kinda think its probably a scam of some sort and these A-holes need to get a life and leave us alone!

i got the exact same message as JLK in the previous box! exactly the same! im wondering...do u get this call 10 times a day every day yet when u answer they wont say anything? this is what they do to me. they claim to be from some debt collections agency, except... i dont have anything that would have been sent to a collection agency!  i think its pretty f#cked up myself, and i kinda think its probably a scam of some sort and these A-holes need to get a life and leave us alone!

Good girl, you never know what they are up to but the Attorney General most likely can investigate more thoroughly through the department of Justice.

There is a $17,000 fine for continued debt collection and pshing charges be applied by the Federal Communications Commission.  This is per incident for annoying telephone calls.  Contact your Attorney General's Office once you can get a hold on their address and the Department of Justice will issue the fines  when they are motioned to court.

OOPS, CORRECT ERROR.
Please check our my last post sent about 3 minutes ago.
The Final paragraph should read as follows: " I also appeal to you to remain calm when you see them at a Mall or Super market or Post Office. Do Not attempt to whack them upside their ugly heads at all. As tempting as it may be it may not be legal!"


Thank you,
Mr. Wonderful

I received many phone calls from some guy who sounded as if he were drunk, It was a recording and it gave a call back number of 1-877-829-7982. Said they were required by law to tell me they are a debt collection agency. Phoned them today and they claim it was a mistake and they'll not be calling me again. I hope this is the case.
   If I continue to receive these phone calls that annoy me and invade my privacy I would feel obligated to start putting some faces to this company. I Live about 10 miles away from their Williamsville, New York Address and will be getting them all: on video cam, their faces, their cars with plate numbers and may even follow them to see where they live, get their homes and families all on video for a pleasant web site for all of us to enjoy. This is because I want to be in the News business and this will be my debut news piece. Will start a web site of news related articles along with Videos and/or photos. Called my Lawyer,  who advises me that I cannot take photos while I am physically on their property so I'll have to use the telephoto lenses from a nearby location. Once I get my NEWS WEB SITE going I'll post the link here so we can all see what these Pukes look like and how they live.
  My Lawyer also advises me not to encourage any one to visit any of the homes you will be seeing on my News Web Site, So Please don't so it. I also appeal to you to not remain calm when you see them at a Mall or Super market or Post Office. Do Not attempt to whack them upside their ugly heads at all. As tempting as it may be it may not be legal!

Peace and Love my Good people,
Mr. Wonderful

Call my house every Saturday morning at 8:30 waking me up! How do you stop these scam of a call. I am debt free!

This number has been calling me for about a year now, ever since I got this number. I blocked the number but once my phone company started to charge me I cancled blocking the number, Now 2 months later they are callling again. They are always asking for "Jessica Forbs" and claim they are calling from Alexander and Fisher Financial or something like that. I have called back hundreds of times telling them to take me off the calling list and they won't, they hang up on me. It's getting really F***ing annoying.

I'm tired of these calls, same as all of you. Here's a pay back for NAFS if we act between now and election day. Who knows, might even stop them cold.

NAFS' Parent Company is SITEL. The web address for SITEL is http://www.sitel.com/.  "collections of small balances" is one of their listed services.

Found this press release on their website

October 4th, 2010
Nevada?s Gubernatorial Candidate Tours Sitel?s Las Vegas Call Center Site
Sitel Featured in "100 Schools and 100 Businesses" Tour On September 24, Nevada?s gubernatorial candidate Brian Sandoval stopped by the Sitel call center site in Las Vegas as part of his ?100 Schools and 100 Businesses? tour.  According to the Sandoval campaign, the Sitel site was the only call center that Mr. Sandoval toured during his initiative to visit 100 Nevada-based businesses prior to Election Day. The purpose of this visit was to take a pulse on the employment picture in the Silver State.

BRIAN SANDOVAL'S CAMPAIGN ADDRESS & EMAIL

Brian Sandoval For Governor
P.O. Box 370297
Las Vegas, NV 89137
Telephone: 702-360-2010
Email: info@briansandoval.com

Sandoval for Governor Reno Office:
5538 Longley Lane, Ste A.
Reno, NV 89511
Telephone: 775-337-2010

SANDOVAL'S OPPONENT IS RORY REID. HERE'S A WEBSITE WITH HIS CONTACT INFO

http://www.roryreid.com/en/contact_us

Might want to call or email both of these gentlemen. And the local press for good measure.

this is an KNOWN FDCPA violator - collector troll.  The information you have with these old worthless debts is SO OUT OF DATE - they are calling numbers that NO LONGER belong to the person named on the spreadsheet AND CANNOT PROVE THE VALIDITY OF THE DEBT!


Report them to the NY AND GA ATTORNEY GENERAL ASAP

NY AG use this SPECIAL Link  www.NYDebtHelp.com

GA AG Link to all State Attorney General Websites www.naag.org


http://www.consumerjustice.com/consumer/agencydetail.aspx?id=6083
National Action Financial Services  
165 Lawrence Bell Dr #100
Williamsville, New York, 14221

rcarney@nafs.net
www.sitel.com/enu/riskmanagement.stm


--------------------------------------------------------------------------------
Phone No.  877-829-7982 800-695-4917 716-565-1040 866-529-1899 800-219-6227  
Fax 716-565-1035 716-565-1041 716-565-0787  

  Roger Carney, President-COO Paul Labaki, Esq, Counsel (Buffalo, NY)
 
 

Notes
Junk debt collectors, they record all calls (where legal.)
Collectors will push hard if they can. Suggest you tape their calls (where legal) they do pay on lawsuits.  
Aliases Other Locations  

Div. SITEL Corp. NAFS
3587 Parkway Lane Norcross, GA  



1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
October 2004

a number did come up on my caller id. a debt collector company. all you people who are complaining about these numbers maybe you have some sort of debt that needs taken care of. i mean i knew i did at one time and your not meant to ignore those calls. if its wrong and they have nothing on you than you need to tell them. otherwise they will keep bothering you all. just talk to them i do see a lot of people that do get calls from this and other numbers that claim to be some debt collector yet i wonder who has a real issue that needs to be taken care of. but i do admit its wrong to harrass some one and i wonder how they get your number if they had just called you randomly? they got it from some one and some place. if this company is a scam it needs to be taken up with the police or some one else that can help you in face just talk to these people ask them for proof.

Have been receiving numerous calls from this man.  Either the line is dead when I answer or I get a "computer recording" from a Robert Farence (sp) saying they have tried contacting several times and this is the last time ...... HAHA since they keep calling and having been doing so for over a year now.  Very tired of getting this especially since the "caller" never gives any information just says to call 877-829-7982.  When I call the number it is nothing but a dead line.

But they fully want to understand your intentions....

Man and silly me keeps missing their dead line....

If this company was legit than they should be talking to me live and not use a stupid pre-recorded message and not ever mentioning my name. Also, they should know who the hell I am and where I live if the was a real call. Talk about a scam. It seems these low life come out of the wood works near and after tax season. I've filed a complaint with the FTC and Do Not Call List.

I have received the same message from these clowns, almost word for word. I have no debt but I refuse to answer when they call. They can waste their time and $$$ calling, I just block their number(s).

I am presently conducting a pre-litigation investigation concerning National Action Financial for its telephone messages, communications, and other practices that violate the federal Fair Debt Collection Practices Act ("FDCPA") and other state laws.
If you, or anyone you may know, have received a telephone message from National Action Financial I ask that you do the following:
(1) Save the recorded message(s) including the time/date the message(s) were received;
(2) Save any letter(s) that you receive; and
(3) Contact my law firm via e-mail or telephone. My contact information is as follows:

Law Office of William F. Horn
188-01B 71st Crescent
Fresh Meadows, NY 11365-3773
Telephone: (718)785-0543
Fax: (866)596-9003
E-Mail: bill@wfhlegal.com
Please be certain to reference the name "National Action Financial" when communicating with us. Thank you.

Who are these people and why won't they stop calling. Is there a way to block them from your cell?

same thing as all of you,typical message,no reply,dont know what you are calling about and why they are calling you.

got several calls from the number, i dont answer calls i dont know who they are from. but must be others getting it, debt collecter place calling.
just get calls a lot from them. i just ignore them most times.

I appreciate all the info
It is amazing how fast things can snowball
I lost both my parents in Nov 08 and Feb 09
We assisted with their medical bills at the downfall of letting some of our credit card bills decline.
Short story we just sold our house (at a 17k neg equity) and defaulted on our 2 credit card bills.
We made the mistake of trying to talk to the collectors but alas no one can do anything until you are in default.
We moved to another state, canceled our home phones and now just ignore phone calls we do not recognize that show up on the cell phone.
We are monitoring our credit and hopefully within a few years will be able to buy a home again.
Until then its renting