Robert
Irvine,#2Consumer Comment
Thu, September 29, 2011
I have NO DEBTS with any company called AFNI and hung up the phone
- They are a legitimate(well as legitimate as a debt collector can be) company. They buy up old delinquent accounts so if you are delinquent it would have been from another company. So you have to ask yourself are you delinquent with ANY creditor?
Now, you do have rights under the Fair Debit Collection Practices Act(FDCPA), and if they violate any provision you have the right to file a suit against them. They are a company that is well known for FDCPA violations.
I don't really know what "fun" you are going to have with them, but remember that if you are calling a Toll-Free number your phone number is exposed even if you block it. If they ask for a specific person and you state you are that person(when in fact you are not), you may be bordering on Identity Theft and/or fraud. If you start to use abusive language with them they may take that as you are actually that person and will continue to keep calling, any physical threats may cause them to take action with your local law enforcement.
While I am sure it may make you "feel better" to have some "FUN", your best course of action would be following the FDCPA and taking action against them if the violate it.