Is Afni a scam?

If a debtor receives illegal letters or threats from AFNI, then it is best to opt for debt validation. After debt validation, if it is found that the demand by Afni collection agency is invalid, then debtor can defend himself. But in majority of the cases, it has been observed that debtors usually fall prey to such illegal demands because they have no valid documents to prove their innocence. This is mainly due to the fact that collection agencies and debt collectors usually target consumers who are less informed.

You should report about them to your states' Attorney General.