Afni Collections agency - How to handle the collector

The word needs to get out.

Unfortunately, there are many illegal companies like afni collections in the list. Even if one of them is shut down, it will be a big relief to many people dealing with such crooks.

Be aware of your consumer rights. The collectors will try to intimidate you into paying more, without giving any documentation of your account. You have the laws in your favor to fight against AFNI INC.

Verizone often hires afni collections for collection purposes. It has become their habit to harass people on old and statute of limitation expired debts. Many a times afni collections call for a debt which you never had. It is preposterous.

When a debt has passed its SOL then no collection agency has the right to harass you. I.e. no collection agency can neither force you to pay the debt nor file any legal action against you.

Send them debt validation letter until and unless they give full information. Best of Luck buddy... :)

I think you should send second validation letter and mention in it that you don't want verification but validation of the debt. Information provided by AFNI collection agency must come from Verizone and not afni inc. Make it sure that you are sending the letter through a certified mail return receipt requested.

contact details of afni inc :-

404 Brock Drive, Bloomington, IL 61702

Afni Collections Phone Number: - (877) 403-0670

Afni Collections fax number: - (309) 828-0931

Websites: - afniupsourcing.com , afnicollections.com


DBA names of afni are: -
Additional DBA Names
AFNI, Afni/Bloom, Anderson Fin Network, Anderson Financial Network, Anderson Financial Network Inc

Its other addresses are: -

P.O. Box 3097, Bloomington, IL 61702

P.O. Box 3427, Bloomington, IL 61702

You can also call them at: - (866) 425-1601

also depending on what state you live in check to see if anfi collections is a licensed debt collectior if they are not you will have an easy time in court sueing them

Actually, a consumer does not have a private right of action to sue a collection agency (like Afni Collections INC) for not having the proper state license. Only the state can file.

I received a collection letter from afni collection agency a month ago claiming that I owe for a landline phone bill. The problem I have is that the debt was accrued early 2002, and i wasn't 18 yet. I obviously didn't open that phone acct due to the fact that I was a minor. I have never received any correspondence from the phone company in all this time regarding this matter and it has been 6 years. And now i receive a letter requesting the debt be paid. I called afni collections to find out when this debt had occured, and when the guy found out that I wasn't 18 at the time, he was quick to try and get me to pay him by check or card. They also stated that this hadn't been reported to my credit yet, and wouldn't be if I got this matter taken care of. I have not sent any money or given any banking info to these folks.

Can they do anything after 6 years and considering the fact that I was not 18 at the time?

Don't send them any money, send AFNI COLLECTIONS INC a DV letter instead. I would try to find what phone company they are collecting for and call to find out who opened the account in your name. There may be some ID theft going on here.

Actually minors can enter into contracts , especially for necesseties which I believe a phone is . Once they reach the age of majority, the contract can be set aside but if you fail to do so, you can be held legally responsible.

Is AFNI Collections the same company as Anderson Financial Network???
I have been watching my credit reports and I noticied that this company just recently reported on my credit file for an outstanding debt they say I hade with nextel.

That's AFNI Collections

AFNI Inc is harassing the shit outta me and asking for a statute of limitations expired Cingular debt. Is there any way to kick their butt?

If this debt of Afni collections is past SOL, then they have no legal teeth to collect. They still have the right to ask and you have the right to send a full Cease Comm FOAD letter to them.

I received the same letter regarding a t-mobile bill. I am a business owner...a collection agency..go figure. Just wante to pass along a little info on AFNI INC. In most cases the debt is out of statute but, if you pay even a penny the debt renews itself...so don't pay! Simply send them a cease and desist letter and send it certified. If they contact you again after receiving the letter you now have the right to sue. Good luck

I also just received an Anfi letter about a $3140.00 bill from t-mobile on an account I've never had. Researching and reading the entries here has really helped guide me to what action to take. Two questions: 1) do I skip sending a request for validation letter and go directly to a Cease and Desist letter? It seems unnecessary to request validation for an account I've never contracted for but I want to make sure I do everything correctly so these a**holes won't continue to make trouble and possibly put a black mark on my present excellent credit record. 2) Do I also send a copy of any correspondence to governmental agencies, and if so, who should be included?

Texilgram, I would send them the DV letter as well, MAKE THEM PROVE, that the debt is yours and they have the right to collect it.

Thanks for the good advice! I'll do that!

Texilgram

Idiotwatcher, we know by your name that you are indeed and idiot, buzz off slimeball!!

i live in Columbia SC an i have several collection agency that will not send me anything that is hard proof but they still report the debt on my credit report what do i do. i sent my letters but nothing
Equifax is the same way most of the collection agency address is not right, i can't get any justices

You could talk to a lawyer, at naca.net who specializes in the fdcpa and the FCRA. But only if after first contact from the collection agency you requested validation within the first 30 days.

The other thing you can do is what I did. I sent the letter and disputed my credit report after 30 days and it came back verified. 30 days later I disputed it again, same thing. I then waited 5 months disputed the entry and it was removed, and this was one of the worst debt collectors in the industry.

Give it time cause right now a lawsuit against them is pointless, there are not enough violations. Let them really break the law and make it suit worthy. Better yet, if they sue you, counter sue them and it saves you the money to file a suit against them. SAVE YOUR EVIDENCE!!!!!!!!!!

I just went through the same thing. I had Voicestream in 2002 and canceled it. 2 Months ago I received a bill from AFNI for a T-Mobile account. AFNI and T-Mobile both refused to provide validation of debt.
I wrote to their main offices in NM and WA along with filing complaints in numerous Attorney General's Offices. Check out Rippoffreport.com

My attorney has succesfully sued AFNI several times. They consider settling part of the cost of being scumbucket business.

How long is the statue of limitations for unpaid debt?

What state do you live in?

I just recieved a letter from AFNI regarding a debt with Verizon dating back to 2001. Despite the fact this debt was resolved in 2001 when I moved, they demanded verification of payment. I told them I do not have any records dating back that far as I destroy records after 5 years according to IRS Rules. I also understand this scenario is is not unique and many others in various states are receiving these letters too. It appears this is a new form of extortion used by companies and collection agencies in rough times. In my case, they also ran a credit search on me to obtain my SS# and correct address which is against the law without your written permission. So, if anyone esle is aware of this happening to them too, when you send the letter, let them know you are aware of this and that they are in voilation of the law. I hope this helps others and this company will soon be a memory.

I have TWO things on my credit for the same account from AFNI. It's for a Nextel account I never had. I've disputed them like 3 times and each time the dispute comes back as "has been verified that this item has been reported correctly". In other words, the CA said "hey is this reported right?" and AFNI says "yep" I haven't had a nextel phone in 9 years and when I left I had a zero balance. I'll be submitting my debt validation letter to them today.

Afni can suck d%$#. why bother sending anything to them. throw the goddamn junk mail in the fire. Forgetaboutit!

Kevin you can sue the credit agencies if they can't prove the debt is yours. Nascar will be along to help you with this matter.

Kevin...have you ver recived any wriiten correspondence form AFNI in the past or did you just discover their entry on your credit report? What state do you live in? You stated it is for a Nextel account you never had but had a Nextel account 9 years ago?

how many year has to go by for the statute of limitations

SOL depends on your state and goes from the date of last payment you can look up your state here....

http://www.bcsalliance.com/y_debt_sol.html

The amount of time to report on a credit report is different. It also goes from the date of last payment plus 180 days I think, usually 7.5 years is the max it can stay on your credit report.

I was just notified by my credit monitoring service that EquiFax posted a negative account on my credit history and the report supposedly came from ANSI. Since it appears well known that this firm is not reputable is there any liability on the part of EquiFax for allowing them to post erroneous information? I want to sue the jerks with the deepest pockets.

In order to sue for FCRA violations I am pretty sure you need to dispute the debt and entry first. If they verify inaccurate information, that is when you can sue them. The violations can be confusing so I think it is best to get a good attorney familiar with the FDCPA and the FCRA. They will get the maximum allowed.

To find an attorney in your area, go to www.naca.net. The most you might have to pay is the filing fee to sue them. You get that back if you win and the debt collector pays your attorney fees.

I just received a bill this morning and couldn't even think of ever having an account with qwest! I finally remembered the nearly five year old landline I had with an old boyfriend. they only wanted half to call it good! Wierd I have never been given a collection call or letter until now, and decided to google afni! I'm glad I did!
The letter said to go online with my account# and last four digits of my social. But, no info as to time frame or address I lived in over four years ago!
How did they find me? I don't even have the same last name anymore! Do I have to do something about this scam in the form of a small bill to fix my credit? How do I go about this

I just paid off a old telephone bill that AFNI claimed I owed. I asked them to send me my last bill to validate the debt. I just couldn't remember being that it was a old residence. I did call the local telephone company just to see what they had on record. Turned out they were able to confirm what AFNI was claiming. I ended up settling on the debt BECAUSE it was showing up my credit report. From my experiences w/AFNI it seemed to be valid. I hope this helps somewhat.

My line was through QWEST too. To be honest I don't even remember having a old past due account or getting anything from Qwest. It is a old account, but like I said I called Qwest right away. They did confirm that I owed a balance and that it was sold off to AFNI for the exact amount. I would call Qwest asap. They should be able to verify what you may or may not owe.

I was doing a research on a different agency, but decided to look up AFNI as well. They actually came up. I guess they are licensed in my state...Oregon.


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Your query for: 'AFNI' & Profession = Collection Agencies

AFNI INC

1310 MARTIN LUTHER KING DR License No: 48778
BLOOMINGTON, IL 61701 Phone: (309) 828-5226 Start Date: 06/21/2001
Renewal Date: 06/30/2009

while they may be licensed.they have been fined and reprimanded in IL for there actions.so don't be shy about filing complaints.

I just received a collection letter as well for a Verizon bill. This was from 2002 in Buffalo NY, I called to find out what it was about and they told me it was for a line that started in June of 2000 and was disconnected in Jan. of 2002. The best part is I have lived in Rochester NY (just over an hour away) since March of 2000.

The odd thing is I did live in Buffalo for most of my life and did have a landline with Verizon until March but it was a different number. So I am not sure if someone when through my trash after I moved and somehow found my SS# or what. But I have sent a letter to dispute the bill along with a copy of my lease for when I moved here to Rochester. I will update this site after I hear back from them.

Have you pulled your credit reports recently to look for other signs of fraudulent activity? You might want to start researching Identity Theft as well. If this is indeed IDT, you need to get moving on it so you can get it off your reports.

The notice I received from AFNI has 404 Brock Drive PO Box 3427, Bloomington, IL 61702-3427. So would I send it to the physical address or to the PO Box? If I send it to the PO Box, they won't be able to sign for it, would they? I also looked them up at BBBOnline, and the address they have is 404 Brock Dr Bloomington, IL 61701-2654. The 30 day mark is coming up, and I don't want this to go to the wrong address.

Also, Nascar Devil, I live in Texas and was wondering how do I reference Chapter 392 of the Texas Finance Code? Do I just state that according to this, you have to post a bond with the Texas SOS? I tried to look them up via your link, and didn't find them there at all. Thanks!

Here's AFNI's bond info. The SOS website is kind of tricky. Type in the first couple letters followed bt % and then hit search:

Principal Name: AFNI Inc (fka Anderson Financial Network Inc) # 1

Address: 404 Brock Drive
Bloomington, IL 61701-
File Number: 970526
Status: Active
Date Filed: 9/26/1997
Cancellation Date:
Phone: (309) 828-5226
Bonding Company: Travelers Casualty and Surety Company of America
Bond No: 775224183TX



As far as referencing thet TFC, state something like:

I am requesting validation of the alleged debt per the FDCPA and Chapter 392 of the Texas Finance Code. You have 30 days from receipt to respond. Failure to do so will force me to place a claim against your $10K surety bond posted with the Texas SOS

So, is it safe to assume that the address found on the SOS site, which is also the same one on their BBOnline Profile is the absolute correct address to send the letter to?

Should I be safe and send multiples, one to the 61701 zip, and another to the 61702 zip? The PO Box?

My wife was just scared into paying these folks on a credit card over the phone. Do we have any recourse?

Dispute the charges with your credit card co.

Reply to:

SOL depends on your state and goes from the date of last payment you can look up your state here....

URL deleted per TOS - ND

The amount of time to report on a credit report is different. It also goes from the date of last payment plus 180 days I think, usually 7.5 years is the max it can stay on your credit report.

So if I had a bill from 2005 and I have been disputing it ever since then under SOL can I get it removed. I had Sprint long distance but Verizon blocked the service so I canceled with Sprint and they continued to charge me for three months, I called Sprint to dispute it and told them to check their records and see that the service had not even been used. They claim it was my responsibility to verify that it had been canceled when I requested it. I said my verification that it was not came when I received a new bill at which time I requested again it be canceled. It was finally canceled by them for non payment three months after the initial request was made.

Quote:

It is my understanding that the SOL in CA is only 4 years. I am confused. So, I guess my real question was since it shouldn't have been there in the first place, what can i do to get it removed? I have tried going through a dispute with the Credit Bureaus. Didn't work.

I paid my old Qwest landline bill after getting a notice in the mail. Do I have any way of getting it taken off my credit report? It showed as a negative, but paid, which still doesn't help. Any ideas?

KATHY<<<
SOL is the time limit to file a lawsuit, has nothing to do with the time limit on reporting. In every state the credit reporting period is 7.6 years. You will have to send debt validation letters to whoever is on your credit report that you know you don't owe. Then after that, dispute it with your credit reports in writing.


KENDALL<<<

You most likely will not get it removed, it will show paid charge off or similar till the credit reporting period of 7.6 years is up.