Hello,
reading several post on here and trying to get some help. Received a letter in mail dated 2/19/2016 from Buffaloe and Associates that reads " As you are aware, your account with Synchrony Bank fka GE Capital Retail Bank is being serviced by Buffaloe and Associates , PLC. Atlantic Credit & Finance Special Fianace Unit is the current is the current owner of account . The letter also gives last four digits of account number and charge off balance. A process server left a notice at my moms house on 09/25/2015 at 5:30 in the morning. He actually scared her and she called the police because he was shinning a flash light in all her Windows. The police found a yellow card with my name hand written on it. The same man that left the card came to her house and questioned her again about me. I do not live with my mother and she told him that. I was out of town but called when I returned I called for papers and he said he would meet me that afternoon . He never called so I called him and he asked me where I got card and his number then said he did not have papers and hung up on me. My mother received an attorney letter that said I was being sued and had a number on it. I looked it up on court website and showed that it was Atlantic Credit. They never tried to serve papers again and now I'm receiving this letter. I'm assuming I have a certain amount of days to respond before they attempt to serve me again. I have contacted an attorney and he is a bit pricey and just wondering any advice would be appreciated . I would rather hire an attorney however I can't see paying cost of what company might take in settlement . I'm not sure and just wondering if this company can even collect and if anyone has dealt with them in Memphis Tn courts .Thanks