Afni Collections agency – How to handle the collector

no, pay your damn bill

p.s. - statue of limitations does not apply to collection activity - it applies to credit reporting. there's some more research you can do. There are only 2 states where the statue of limitations also apply to collection activity. A collection agency by law has the right to pursue a valid debt as long as they'd like. And trust me, Afni has plenty of economy boosting individuals willing to help out with this matter.

That is not theie address, that's the cooperate headquarters location - where no collection activity takes place. How hard did you search for that information genius.

You don't. Check with the BBB. Do you think they're illegal? Maybe search Afni Collections. They have an A rating. With all the bs complaints that come in, thousands a year, they have an A rating. You are not going to get anywhere with an agency so overcompliant as them.

no, if you have proof that in the state you live in, you could not legally consent to a contract, you will not be held to the debt. but if they don't know this, obviously they know no other thing to do than collect.

Why are all of your "experts" just people who have joined the site. Haha, what this world is coming to. How amusing.

I think I'll be an expert, at least I'm certified to give advice. I give advice out of honesty and true law. Not in regards to someone's feelings.

katbrat,

Clearly, those people are not experts. However, when someone posts here, others are free to reply as well.

Obviously, we are dealing with some debt collectors that must be having a slow day on the phones. The statute of limitations issue is easily handled--if a debt collector tries to collect on a debt that is so old that SOL has expired in your state, then simply send them a certified letter requesting that they immediately cease all contact with you regarding that matter. By federal law, they must obey a request to cease and desist. At that point, they have three options--

1--they can continue to try to contact you to collect on the debt. If they do this, go find yourself a consumer attorney and sue them for FDCPA violations.
2--they can cease all contact....which is legally their only option.
3--they can file a lawsuit, and if you can show that the debt is past the SOL, then you can do two things. First, their lawsuit will be dismissed. Second, you can then sue them for violating the FDCPA--it is not legal to sue on a debt that the SOL has passed on.

well let me educate some people.btw great post skydiver as you busted the humanoids balloon,but i want to expand the points of SOL,and THE BBB further.one the SOL not only varies state to state but debt to debt.each debt has a different SOL.like credit cards,car loans,even judgements.the credit reporting period is 7.5 yrs from the last payment,or first delinquency.that is acroos the board for all debts.so the humanoids assertion is wrong,and stupid.now to the BBB.if a place has an ungodly number of complaints,but they are all resolved.this is how they are resolved.this bottomfeeder drops the matter like it was radioactive.the person happy that they no longer have to deal with idiots reports to the BBB that the mattter was resolved.big freaking deal.bottomline,this is an evil lawbreaking bottomfeeder that desperately needs to be class actioned out of business...nuff said.

I would like to know if sending a complaint to attorney general helped you. I would also like to know if you sent the complaint to attorney general of the state where you live or the state in which AFNI's head office is located. I want to follow the same course. In past people from AFNI have called my house and threatened my kids saying they can destroy their father's credit and get him arrested if debt is not paid (meaning me). The collection is wrong. I truly don't owe. The collection has travelled from cellular one in 2005 to AT&T when latter bought the former company. And in fact I have spoken to Cellular One and AT&T many times over in the past and been told by them to forget the collections as they realized every time that I never actually got the service nor used it, but I have not saved the letters from them in past. This collection in my credit report is stopping me from refinancing my house at this time. Now, I understand why some people after going through so much of shit sometimes go and try to physically harm others. Besides, the people from this agency are very rude and use very very fould language at times, so foul that you want to get inside the phone and slap the man on the other side. Wish it was possible then I would take a baseball bat with me.