Complaint Review: Afni Inc.

If AFNI is fraudulently reporting on your credit bureaus and are coming after you for a debt you do not owe, then threaten them with an intent to sue, which what my wife has done. You can fax it to AFNI, Inc, aka Anderson Financial Network, Inc. Be sure to keep the fax receipt. If they don't adhere to the conditions of your letter, then go after them with an attorney referred to you by NACA.

This is fax that I sent for my wife to AFNI, Inc, aka Anderson Financial Network, Inc.

NOTICE OF INTENT TO FILE SUIT
IN THE STATE OF TEXAS, COUNTY OF BEXAR
SMALL CLAIMS
JUSTICE OF THE PEACE COURT
PRECINCT #1, PLACE #1

Plaintiff: XXXXXX X. XXXX, an individual resident in San Antonio, Bexar County Texas

Vs

Defendant(s): wholly and individually having and doing business in the State of Texas;
AFNI, Inc.,
Aka Anderson Financial Network, Inc.
and
The executive officers of AFNI, Inc, aka Anderson Financial Network, Inc.
Bruce F. Griffin-Chairman and Chief Executive Officer
Ronald L. Green-President
Gregory J. Donovan-Vice President/Secretary
V. Curtis Oyer-Treasurer


(Sent via FACSIMILE to AFNI, Inc, aka/Anderson Financial Network, Inc to 309-828-0931)

AFNI, Inc.
Aka Anderson Financial Network, Inc.
Bruce F. Griffin-Chairman and Chief Executive Officer
Ronald L. Green-President
Gregory J. Donovan-Vice President/Secretary
V. Curtis Oyer-Treasurer
404 Brock Drive
Bloomington, IL 61702-3097

Re: AFNI Account # XXXXXXXXXXXXX NEXTEL Account # XXXXXXXXXX
For: $752.69

Greetings and salutations:

I received your letter today, dated August 25, 2008 concerning the above referenced account. As I stated in my official CEASE COMMUNICATION letter to you dated July 26, 2008 concerning this alleged debt, I am not responsible for this alleged debt and I did not ask to have this alleged debt validated or investigated by AFNI, Inc., aka Anderson Financial Network, Inc. and/or its executive officers as it is NOT MY DEBT! AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers are now harassing me.

I sent AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers a letter, Saturday, June 26, 2008 via FACSIMILE stating that I do not owe this alleged debt as it was awarded to XXXXXXX XXXX, my now ex-husband, in our final decree of divorce (see attached divorce decree) and how you may contact him as he is temporarily residing at the Texas Department of Criminal Justice Garza-West Unit, 4250 Highway 202, Beeville, Texas 78102 (see Judgment of Conviction by Court-Waiver of Jury Trial and TDCJ Offender sheets) for the next 12 years. I also stated that I did not want to be contacted or harassed by your company any further concerning this alleged debt awarded to XXXXXXX XXXX and that AFNI, Inc. aka Anderson Financial Network, Inc., and its executive officers had 5 business days from the date of your receipt of my facsimile to release me from any further obligations concerning XXXXXXX XXXX's outstanding debt and report such to my credit bureau repositories.

Since you have violated the terms of my CEASE COMMUNICATION letter/facsimile that you received Saturday July 26, 2008, and by acknowledging said receipt of facsimile transmission with a letter addressed to me by AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers, I have no choice but to bring suit against AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers for harassment and violations of the Fair Debt Collection Practices Act (FDCPA) in the amount of $10,000 (Ten thousand dollars), the maximum allowable amount in small claims court in the State of Texas, County of Bexar.

I have also filed formal complaints with the Federal Trade Commission who is responsible for enforcement of FDCPA laws, Texas Attorney General Greg Abbott's office, The United States Postal Service for harassment via USPS service, The American Collector's Association and the Better Business Bureau's of San Antonio, Texas and Bloomington, Illinois. I also am sending a copy of this letter and my original letter to AFNI, Inc., aka Anderson Financial Network, Inc., to Nextel, the original creditor, as I am sure they would like to know of your harassing tactics in attempting to collect debts on their behalf.

Since I have receipt of the facsimile transmission stating that AFNI, Inc received my CEASE COMMUNICATION letter on Saturday July 26, 2008, I intend to use that and the original letter your company received as evidence against AFNI, Inc, and its executive officers as well as the final divorce decree showing the award of this debt to Mr. XXXX.

If you wish to resolve this matter immediately without any further legal proceedings by me, prior to AFNI, Inc and its executive officers being served with civil citation to appear in small claims court in the State of Texas, County of Bexar, you will remit to me via certified mail/return receipt request, a cashier's or banker's check, in the amount of $1,500 (One thousand five hundred dollars-less than double of the amount owed in this alleged debt) payable to me, XXXXXX X. XXXX, 1704 XXXXXX, San Antonio, TX XXXXX within 10 business days of the receipt of this letter/facsimile.

Also, AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers will immediately convey to Experian, Trans Union and Equifax that I, XXXXXX X. XXXX, am no longer responsible for this alleged debt. AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers will permanently remove my name and any other personal information from your records and any and all databases. AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers, will not sell, assign, transfer or convey any information about me to any other collection agencies or anyone else. AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers will issue a signed, notarized statement that I am no longer responsible for this debt and that the above requests have been completed.

Once I have received your cashier's check in the above listed amount and a signed notarized letter from AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers removal of my name from your records, releasing me from any and all further obligations and the conveyances to Experian, Trans Union and Equifax, I will cease any further legal proceedings against AFNI, Inc, aka Anderson Financial Network, Inc. and it's executive officers and issue a signed, notarized statement as to such within 5 business days of such receipt of the above listed items from AFNI, Inc., aka Anderson Financial Network, Inc., and its executive officers. I will also cease my pursuit of charges and complaints filed with the FTC, Texas Attorney General Greg Abbott, The USPS, The American Collectors Association, and Better Business Bureaus of San Antonio, Texas and Bloomington, Illinois against AFNI, Inc., aka Anderson Financial Network, Inc, and its executive officers if all of the above conditions are met.

This is the only way I am willing to resolve this matter out of court. I will not settle for any other remedies or bargain with AFNI, Inc., aka Anderson Financial Network, Inc., its executive officers or attorneys.

If you wish further legal action by me, then by all means ignore this letter/facsimile. It is my understanding, AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers are already embroiled in several class actions lawsuits across the country at this moment, and/or are being investigated by other State's Attorney General's for this very type of violation of FDCPA laws and other state laws. It will be much cheaper and in the best interest for AFNI, Inc., aka Anderson Financial Network, Inc. and its executive officers to heed my simple requests, rather than risk the reality of another lawsuit in the State of Texas, County of Bexar.

If within 10 business days of Friday August 29, 2008 (I will make it easy for youthe 10 days will expire Friday September 12, 2008), I do not receive a cashiers or bankers check in the amount of $1,500 (One thousand five hundred dollars), your conveyances to Experian, Trans Union and Equifax and the notarized release of any further obligations by me and deletion of my name from your records, I will proceed with the lawsuit for the full $10,000 amount, plus court costs and any other fees and/or expenses incurred by me to bring this suit against AFNI, Inc. aka Anderson Financial Network Inc., and its executive officers.

Please give this matter the attention that it rightly deserves.

Respectfully,
XXXXXX X. XXXX

Mini Miranda WARNING: This is an attempt to make a debt collection agency obey the law. Any information obtained will be used for that purpose

THIS FACSIMILE CONSTITUTES DUE NOTICE OF INTENT TO FILE LAWSUIT
-----------------------

We are serious about getting rid of AFNI, Inc. aka Anderson Financial Network, Inc. They're already embroiled in other lawsuits across the U.S. And since they haven't sent my wife the check, we're going ahead and beginning the lawsuit process on them.

Fight them on all levels!

You probably have a coomon name and/or the same or similar name as the original debtor/accountholder.

The "debt" is probably very old, and legally uncollectable anyway, but these amateur skiptracers have linked it to you anyway. They really have no idea of whom the original debt belongs to and you can bet on the fact that everyone with the same or similar name has gotten that same collection letter!

Stay off the phone!! NEVER call, or speak to any third party debt collector/ junk debt buyer aka: bottomfeeder. This is always a mistake, and will never produce positive results for you.

These lowlife buy these types of old accounts for like 1/10th of a penny on the dollar. They are virtually worthless, unless they can intimidate or trick you into making even a small payment which would legally validate it and make it legally collectable.

All communications should be only in writing and only by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records.

By the means above, send a letter of dispute, and request for debt validation. Be clear that you dispute the debt, and you want to see something you allegedly signed to create the debt, as well as a full account history and itemization of charges. You have a right to this and they would need it in court as it establishes the statute of limitations on the collection of the debt, and it proves the amount they are requesting.

Also demand proof that they are legally entitled to collect on said debt, and if they claim to own it, demand a full chain of title verification, and also that they are licensed in your state to do debt collections.

Now, until they provide the requested validation, all collections actions must cease .

Have fun with these morons!