If you have had the displeasure of dealing with AFNI Debt Collections, you may already know some of the aggressive and unfair techniques they employ to try and get your money. Fortunately, we are on your side when it comes to dealing with AFNI Collection Agency. Before you talk to AFNI again, know what your rights are, so you can get them off your back once and for all.
Make them prove that the debt is yours
The first thing you should do if you are uncertain of the debt AFNI is referring to is to request that they validate the debt. One of the biggest complaints against AFNI Collections is that they often try to collect on invalid debts which do not belong to the consumer. Many consumers end up just paying the invalid debt in order to make it go away. However, if you don’t like to give your money to dishonest collection agencies, you should consider sending them a debt validation letter.
A debt validation letter is a consumer’s way of making their creditors prove that the account that is being collected on is accurate and belongs to the consumer. If the debt is valid, then AFNI Debt Collections must also prove that they are authorized by your creditors to collect on the debt. All efforts to collect on your debt must be stopped until debt validation is provided. If they continue to make debt collection efforts without providing validation, they are in violation of federal law.
If you don’t know how to write a debt validation letter, you can look at our samples of debt validation letters.
Know your rights guaranteed in the FDCPA
The Fair Debt Collection Practices Act guarantees the rights of consumers and limits what collection agencies can and cannot do when collecting on a debt. Unfortunately, collection agencies such as AFNI Collections often ignore the statutes outlined in the FDCPA http://aaacreditguide.com/fair-debt-collection-practices-act/.
Collection agencies are forbidden to do any of the following things in order to collect a debt:
– Collect on old debts. The statute of limitations varies by state, but it is typically between 3-7 years. Many consumers have complained of AFNI Debt Collections trying to collect on debts from 10 or more years ago.
– Collect on debts that do not exist. AFNI is one of the primary debt collection agencies used by Verizon. Many consumers have complained that AFNI has tried to collect on debts they say are from Verizon Wireless, but when the consumers have called Verizon their debt could not be validated. In addition, attempts have been made to collect on debts for phone numbers they never had.
– Use abusive or threatening language. If AFNI, Inc.’s representatives use abusive language over the phone, they are in violation of the FDCPA.
Remember that any violations of the FDCPA should be reported to the FTC. Or you can file your complaint over the phone by calling 877-FTC-HELP.
AFNI Collections Verizon Wireless scam
One other word of counsel for consumers that have dealt with or are dealing with AFNI – the collection agency has been involved with a scam involving hundreds of consumers. This scam involves AFNI contacting a former Verizon customer about an unpaid phone bill – usually in the amount of $100-$800. Most of these people have either never had an account with Verizon, or have had their accounts closed for several years. Most of these consumers have also been unable to verify their debt with Verizon or anyone else. If you have had something similar happen to you, do not pay the debt until you can get it verified first.