Afni Inc
Anderson Financial Network or commonly referred to as Afni Inc, is a collection agency based in and operating from Bloomington, Illinois. The collection agency has however not earned a very good reputation due to their shady activities. Verizon happens to be one of the biggest clients of Afni Inc.
Debt buyers or collection agencies like Afni Inc buy delinquent debt accounts from creditors for a few dollars. They try to extract money from the debtors by adopting different means which violate the FDCPA or the Fair Debt Collection Practices Act. However, there may be instances when the demand for money made by the collection agencies may be valid. However, in majority of the cases, it is illegal. Debt validation can help you to find out the truth.
Afni’s illegal activities
Many debtors have complained that Afni Inc illegally tries to collect debt for accounts that have been settled years back. There were instances when the company has threatened debtors of filing a lawsuit. The company has also damaged several credit reports by reporting them illegally and wrongly. Calling up at odd hours and calling up at workplaces is not uncommon and that is what Afni collection agency has been doing over the years.
Debt validation and SOL as defense
Financial experts are of the opinion that if a debtor receives such letters or threats, it is best to opt for debt validation. After debt validation, if it is found that the demand by Afni collection agency is valid, it is best to settle the debt or else the 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. Statute of Limitations is also another weapon which is made use of by the debtors in validating debt.
Report to the Attorney General
A debtor can always file a complaint with the Attorney General of the state in which he is residing. If a debtor finds that a creditor or a debt collection agency has violated the FDCPA norms, the same can be reported to the State Attorney General.
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