dealing with debt validation by afni
Date: Mon, 03/26/2012 - 10:43
About 2 weeks I received a letter from afni saying I owed for a past phone bill. I haven't had a phone in over 12 years. I called them and said to send a validation for a bill they claim is from 1999. So, a few days a got a letter from afni that included the "original statement" (hardly) from the original creditor.
The "statement" says the bill date is from May 08, 2002 (I was not even in my state in 2002) and can prove it. It also says that current charges is a $20.94 CREDIT. Total phone services $20.94 credit. Then also included in the page is a "Total Amount Due $52.34" from somewhere. I called the phone company and they said I did not have an overdue account with them, that I can open a phone account without a deposit, etc.
I had to spend over a year fighting Midland and the crap they pull but this is an odd one. Should I respond to their letter and "validation"? Over the phone they said it was from 1999, but now their letter says its from 2002.
The "statement" says the bill date is from May 08, 2002 (I was not even in my state in 2002) and can prove it. It also says that current charges is a $20.94 CREDIT. Total phone services $20.94 credit. Then also included in the page is a "Total Amount Due $52.34" from somewhere. I called the phone company and they said I did not have an overdue account with them, that I can open a phone account without a deposit, etc.
I had to spend over a year fighting Midland and the crap they pull but this is an odd one. Should I respond to their letter and "validation"? Over the phone they said it was from 1999, but now their letter says its from 2002.
If you're certain this isn't your debt, send them a letter telli
If you're certain this isn't your debt, send them a letter telling them you dispute the debt and to cease and desist collection efforts.
Which state are you in? Given that the debt is at least 12 years
Which state are you in? Given that the debt is at least 12 years old, I think its past the SoL. As Soaplady suggests, send them a Cease & Desist letter.
Although SoapLady and I have similar personalities and share thi
Although SoapLady and I have similar personalities and share things in common, I am not she :)