i am writing because this is a ripoff.afni inc.say i owe a phone bill that i have never heard of.they say i owe a balance of $181.89.if i make an effort to pay $90.95.they say once paid records will reflect the status of my account will be settled in full.i had to think about this.i never heard of this company.so i look on the enternet. and their they are.there rating dont look very good.