So I got the letter, and went to their (afni collections) website to dispute the claim. After filling out all the necessary info, this is the text I received -

Session Expired

Due to lack of activity or transaction completion, your session has expired. Please click the continue button in order to re-enter your account number and Last 4 of SSN.

i would consider the matter closed.never give out your ss# online.you could send a DV or dispute letter to the addres on the letter.send it certified mail return receipt.

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giving hope to the hopeless,help to the helpless,and hap to the hapless.

recieved a letter too! Called AFNI talked to a women that was very nasty and short with me! told her this not my phone number that they were trying to collect on! well she said like she didn't even hear me (well whos is it ) this is your address and in your name. the address the phone was at a diffent location from mine unforutaly it was a family member who did this, she say so you let someone open an account in your name, I said I did not give premission- no! Well we'll investagate this and report it! and she hung up on me, I was so mad I wanted to call back but I knew I would be spinning my wheels with them, can't wait to see want will be next!!!!! oh by the way this is from 2006!

I applied for a car loan and a charge for verizon phone service appeared and a charge for direct tv also.In 2006 I had purchased a bundle from verizon which included tv phone service and internet,I was not happy with service so I teminated service with verizon now I have a charge fron direct tv and verizon and was told if I contact afni settle on a payment it would clear my credit and amount owed with direct tv and verizon since it was initially a bundle purchase, Is this true?

How old is this debt? It wont clear off your credit report infact in will re-age the debt and stay on your report longer. AFNI is one of the worst!!!!! I would send a DV letter and make them prove they even own the debt also check to see if they are licensed in your state. If they cannot validate the debt you should be able to have it deleted from your CR. Hopefully someone else will jump in here and correct me if I am wrong.

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PDL Free is Me........I am crossing that finish line and I am not looking back

I received a call from Afni stating I owed verizon...I have never had verizon for anything...what do I need to do to make this stop?

Afni has come after me for a Cingular cell phone I had almost 7 years ago now. However, they report to the credit bureau constantly and I notice that makes it later and later for the debt to fall off of my bureau. What about the original SOL? That does not seem to stand for anything. If they keep reporting it, it just starts over again.

If you're positive that you never did business with Verizon, then send them a cease-and-desist letter. Basically, tell'em to get bent. If you have any doubt whatsoever that they might have something, a DV letter would be the wiser course of action.

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Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

When was the last time you used that phone, or made a payment on the account? And what state do you live in? I need that to check the SoL. There's lots of things we can help you do to deal with these cretins. Gimme the info I need, and I'll get back to you.

__________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

I am currently having the "pleasure" of dealing with this scummy place. They have recently been calling me reguarding a supposed debt that I have with Tmobile back in 2004. (which was paid off) They keep telling me I owe 100.00 but they are willing to cut my debt in half to 50.00. When I spoke w/this guy on the phone he KEPT trying to get me to tell him if I will pay this off this month..and HOW I will be paying for it. I don't think he liked it that I kept repeating myself saying "Well, I'm not agreeing to anything until I call Tmobile to verify any of this.." He was trying to convince me that Tmobile will just refer me back to Afni and that they will not have my records anymore...& than AGAIN with the "Will you be paying this off this month?? and IF you pay it off how will you be paying for it?" I was on the phone with him for seriously almost 10 minutes...and he kept going in circles. I will be sending them a letter this week.
What a joke.
oh! and JUST to make sure my records were right, I checked my Credit Report..and if I had a debt with Tmobile it would of been on there...and NADA

Wow... I just received a letter from AFNI and it claims I owe $2,161 for AAA Texas. When I saw that I freaked. I immediately searched this company online and this is what I find. Endless sites and forums saying BEWARE! I'm going to give them a call tomorrow morning just to see what happens. I am more worried that my credit will be messed with. IF YOU RECEIVE A LETTER OR CALL FOR AFNI, DO NOT SEND THE, ANY MONEY. CALL AND SITUATE THE "CLAIM" AND KEEP AN EYE ON YOUR CREDIT REPORT.

Hang on there, Rocx! If you want to call them, you certainly can. Do you want to put yourself in a position to be screamed at, manipulated, or tricked? There's a better way.

Send them a demand for validation of the alleged debt. There are sample debt validation letter templates available on this site. Pick one, and customize it to fit your situation. Mail it out CM/RRR, and keep the green postcard when it comes back. That's your proof that they got the letter.

__________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

dont know if thats true, but it does show a history of other illegal activity this company engages in, and if they have no legal right to operate and contact people in a state, then its harrasment from the get go, and that is actionable and private citizens do have standing to seek judicial relief

Depending on the state, you can use that as a Defense.

For example, for New York, see Defense # 8
http://www.nedap.org/hotline/defenses.html

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FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.

I just got a call from AFNI about two bills I know are really mine. I simply didn't have the money to pay them at the time and I still done. The bills are $800+ and $200+. AFNI offered to settle the $800 one for $50 and the other for half. I bulked at the half and she offered $50 for that as well. The last time a collection agency offered me a great deal to settle a debt (on an unrelated debt) they didn't cancel the debt and just applied what I paid them to the debt as a whole so I still owed several hundred dollars and am still being hounded about it. The current agency wont cancel it off because I don't have a letter of cancellation for the debt or a letter with the offer to cancel. So I told AFNI to send me the offer in writing and she said she would. What I want to know is, do I even have to pay. Both debts are over 7 years old with no payments the entire time. I dont know what my rights are regarding the SOL.

Ehat is the sol date ?