Complaint Review: Afni

I re-read the OP and there was no indication of of pending legal action ...

I re-read the OP and there was no indication of of pending legal action ...

I re-read the OP and there was no indication of of pending legal action ...

I re-read the OP and there was no indication of of pending legal action ...

Follow the advice of the other posters, and do not talk to them. The reason for this is if it ever got to court this could happen. The judge may ask you if you ever spoke, and if you did you would respond "Yes your honor we spoke". The scumbag collection agency now lies and tells the judge, that yes we spoke and we have agreed on a payment plan and here it is in writing. They hold up a forged agreement. This can happen even if you spoke to them about the weather. Believe it or not this would be a binding agreement in court, this does happen. I was warned by my collections attorney regarding a lawsuit not ever to speak to the other party, because of this.

Collection companies sue all the time for debts out side of the statute of limitation. And get default judgements, Why

Because we lets them! We don't claim the sol as a affirmative defence, we fail to appear, respond.

We let them trick, fool and lie on these debts.
mainly, because we don't know our right and the law. and we always wait to review these laws or rights after the summons is served. instead of learning, them when you first get the collection notice.

No it's not right that they came get away with the stuff they do. The FTC and state attorney general will only help or do anything if there are a large amount of complaints. Its going to take one person at a time, to get anything done.

We should hold the people we put in office, more
responsible to write better laws to protect, the people instead of the business.

The FTC shouldn't fine these companies they should take away there license and make there action criminal not civil.

Until that happens each and everyone of us, will continue to get screwed.

sorry I'm not jumping on you john and if I came across as I did, don't mean too. It just sucks that in this country, that companies like these can violate the righs and laws all the time

How are they going to be able to validate Verizon "debts" from the 1990s when Verizon did not come into existance until 2000?

They can't legally sue-due to being past SOL-but they can try to collect all they want unless a C&D is sent. Then, they'll just sell it to someone else more than likely.
But they fact this company is coming up with so many bogus claims of debt of different origins, is getting scary and annoying.

P:

Your statement is wrong, wrong, wrong.

Afni cannot get a default judgment if April does not respond to Afni's demand. To get a default judgment, Afni must first file a lawsuit and serve it on April. Afni can get a default judgment then only if April fails to file an answer to Afni's civil complaint or if she fails to show up for trial.

Afni's assertion, whether in writing or by telephone, that April owes a debt has no legal weight and the OP's failure or refusal to reply also has no weight.

Collection agencies love to send out letters that say you have only 30 days to dispute the debt. That's bull. There is no law that allows a collector to issue a judgment. You are better off if you say nothing about the debt. Just send them a cease-and-desist letter and say nothing more because they may use anything else you say to your disadvantage later.

P:

Your statement is wrong, wrong, wrong.

Afni cannot get a default judgment if April does not respond to Afni's demand. To get a default judgment, Afni must first file a lawsuit and serve it on April. Afni can get a default judgment then only if April fails to file an answer to Afni's civil complaint or if she fails to show up for trial.

Afni's assertion, whether in writing or by telephone, that April owes a debt has no legal weight and the OP's failure or refusal to reply also has no weight.

Collection agencies love to send out letters that say you have only 30 days to dispute the debt. That's bull. There is no law that allows a collector to issue a judgment. You are better off if you say nothing about the debt. Just send them a cease-and-desist letter and say nothing more because they may use anything else you say to your disadvantage later.

P:

Your statement is wrong, wrong, wrong.

Afni cannot get a default judgment if April does not respond to Afni's demand. To get a default judgment, Afni must first file a lawsuit and serve it on April. Afni can get a default judgment then only if April fails to file an answer to Afni's civil complaint or if she fails to show up for trial.

Afni's assertion, whether in writing or by telephone, that April owes a debt has no legal weight and the OP's failure or refusal to reply also has no weight.

Collection agencies love to send out letters that say you have only 30 days to dispute the debt. That's bull. There is no law that allows a collector to issue a judgment. You are better off if you say nothing about the debt. Just send them a cease-and-desist letter and say nothing more because they may use anything else you say to your disadvantage later.

P:

Your statement is wrong, wrong, wrong.

Afni cannot get a default judgment if April does not respond to Afni's demand. To get a default judgment, Afni must first file a lawsuit and serve it on April. Afni can get a default judgment then only if April fails to file an answer to Afni's civil complaint or if she fails to show up for trial.

Afni's assertion, whether in writing or by telephone, that April owes a debt has no legal weight and the OP's failure or refusal to reply also has no weight.

Collection agencies love to send out letters that say you have only 30 days to dispute the debt. That's bull. There is no law that allows a collector to issue a judgment. You are better off if you say nothing about the debt. Just send them a cease-and-desist letter and say nothing more because they may use anything else you say to your disadvantage later.

if you fail to respond they can get a default judgement..

This was posted on 1/14/07 and will probably be of use to all ... it was originally posted under the heading AFNI CONTACT INFOMRATION YOU CAN USE ON 1/14

THIS IS LISTED AS A FOREIGN OWNED CORPORATION ACCORDING TO KENTUCKY ....

Corporate Headquarters
404 Brock Drive
Bloomington, IL 61702-3097
800.767-2364

Contact: Jim Hess, Director, Business Development
Phone: 800-767-2364, ext. 3321
Fax: 309-820-2632
Email: jimhess@afninet.com

PHONE" 309-663-4510
Website: afninet.com

President and COO:
RONALD L GREENE
404 BROCK DRIVE
BLOOMINGTON 61701


Current Officers

Treasurer V. Curtis Oyer

Ronald L. Greene
President and Chief Operating Officer and Director

Vice President and Secretary:
GREGORY J DONOVAN same address

Bruce F. Griffin
Chairman and Chief Executive Officer and Director

Greg Donovan, CPA
Vice President of Employee Services

Stenia Dziadiw
Vice President of Sales & Business Development

Michael D. Garner
Vice President of Call Center Services

John Mobley, Jr.
Vice President, Information Technology Services and

Chief Information Officer

John O'Donnell
Vice President of Credit & Collections Services


Organization Number 0491821
Name AFNI, INC.
Profit or Non-Profit P - Profit
Company Type FCO - Foreign Corporation *****
Status A - Active
Standing G - Good
State IL
File Date 3/27/2000
Authority Date 3/27/2000
Last Annual Report 5/1/2006
Principal Office 404 BROCK DRIVE
BLOOMINGTON, IL 61701

Registered Agent C T CORPORATION SYSTEM
KENTUCKY HOME LIFE BLDG
LOUISVILLE, KY 40202


This organization has no assumed names
Previous Names
previous company names:
06/24/1986 - CREDIT CHECK INC.
06/29/2000 - ANDERSON FINANCIAL NETWORK, INC.

For collection-related inquiries, contact our Recovery Team at 1.800.371.3645, by mail at Afni, Inc. PO Box 3517, Bloomington, IL 61701 or email at: recoveryteam@afninet.com.

To handle your collections account on the internet, visit the collections website at www.AfniCollections.com

Important Note Regarding Collection-Related Inquiries:
If you choose to communicate via email, please remember that no matter how many measures Afni takes to ensure the confidentiality of your email, the Internet may be a non-secure medium for communication. If you choose to communicate your collection-related inquiry via email, Afni cannot be responsible for any possible disclosure of an account to a third party



COLLECTIONS PORTION OF THE COMPANY URL APPEARS TO BE AFNINET.COM

Anderson Financial Network, Inc.
404 Brock Drive
Bloomington, IL 61701
Administrative Contact:
Girard, Chris g@AFNINET.COM
Afni
404 Brock Dr
Bloomington, IL 61701
(309) 828-5226 fax: (309) 820-2610

Technical Contact:
Anderson Financial Network, Inc. oktober_isbell@HOTMAIL.COM
404 BROCK DR
BLOOMINGTON, IL 61701-2654
US
309.828.5226 fax: 123 123 1234

P
Dallas, Texas
U.S.A.

And I simply wrote them a letter telling them that they were trying to collect something that according to their own records was out of SOL,(they claimed this was a debt incurred in 1993, with Charter Cable. Like most of you, I called Charter, who had no record of any such bill of $23.00.) and that I wouldn't be having any further discussion regarding this matter. Haven't heard from them since.

Another company that seems to be doing this very thing is Paragon Way. The same tact worked with them as well. Good Luck!

And I simply wrote them a letter telling them that they were trying to collect something that according to their own records was out of SOL,(they claimed this was a debt incurred in 1993, with Charter Cable. Like most of you, I called Charter, who had no record of any such bill of $23.00.) and that I wouldn't be having any further discussion regarding this matter. Haven't heard from them since.

Another company that seems to be doing this very thing is Paragon Way. The same tact worked with them as well. Good Luck!

And I simply wrote them a letter telling them that they were trying to collect something that according to their own records was out of SOL,(they claimed this was a debt incurred in 1993, with Charter Cable. Like most of you, I called Charter, who had no record of any such bill of $23.00.) and that I wouldn't be having any further discussion regarding this matter. Haven't heard from them since.

Another company that seems to be doing this very thing is Paragon Way. The same tact worked with them as well. Good Luck!

This is great information! I really appreciate everyone who has helped so far! Let me ask you guys this: Are you sure I should even respond to them by writing the letter? Does that mean that I am acknowledging this? I know this isn't my collection, but even if it was, it has been 12 years! Isn't that illegal? I didn't get a chance to mail my letter today. It just seems that everything I have been reading today all seems to say about the same thing. It seems we all have an amount due of about $1000 and they are over 10 years old. What do you all think of all this?
Thanks again!

April,

Here is some personal information on Pat Wilson from AFNI, Inc. This is the only collection agent with AFINI that could be a Pat Wilson. Unfortunately, I could not find his home phone number like I did for another person. I firmly believe that if these people can call and harass you guys at home and make your life hell then the playing field should be leveled by you having their personal information. If you want to shut this guy up, when he calls you next time recite his full name and address as listed below and see what he says then. I bet his tone of voice changes really quickly.


Here is Pat Wilson's information as listed with the MN Dept. of Commerce:
Licensee Name: PATRICK J WILSON
Licensee Address: 1107 SOUTH LIVINGSTON
City State Zip: BLOOMINGTON , IL 617010000
License Number: 20489039
License Type: Debt Collector
License Status: ACTIVE
License Effective Date: Dec 28, 2004
License Expiration/Renewal Date: Jun 30, 2007
Enforcement Action: No

If you really want them to validate the debt though, you need to send a validation request in writing via Return Receipt Requested. Along with that letter make sure to include the cease communications language. You can find all of that sort of information along with sample letters on the internet. Just Google cease communications letters and it will bring up lots of samples to use (the first one that popped up when I did it was done by Findlaw). You can Google debt validation letters too and that will bring up some good samples as well. Legally, they cannot contact you once they receive either of these letters. You can send them at the same time if you like but make sure you send them RRR.

Good Luck!

1. Tell Verizon to put their information in writing to you.

2. Don't talk to the collection agency.

3. Dispute in writing their claim. Send the letter to them certified and return receipt requested. In the letter put the certification number on the letter and do not sign the letter. CA's can forge your signature on documents.

4. It is out of SOL anyway.....