Complaint Review: Afni - Bloomington Illinois

Corporate Headquarters 404 Brock Drive Bloomington, IL 61702-3097 800.767-2364 Afni, Inc. 404 Brock Drive Bloomington, IL 61702 USA Contact: Jim Hess, Director, Business Development Phone: 800-767-2364, ext. 3321 Fax: 309-820-2632 Email: [email protected] Afni, Inc. IL 309-663-4510 Jim Hess Website: afninet.com President and COO: RONALD L GREENE 404 BROCK DRIVE BLOOMINGTON 61701 Secretary: GREGORY J DONOVAN same address Bruce F. Griffin Chairman and Chief Executive Officer Ronald L. Greene President and Chief Operating Officer 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 Current Officers President Ronald L. Greene Vice President Gregory J. Donovan Secretary Gregory J. Donovan Treasurer V. Curtis Oyer Director Bruce F. Griffin Director Ronald L. Greene 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: [email protected]. To handle your collections account on the internet, visit the collections website at 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 [email protected] Afni 404 Brock Dr Bloomington, IL 61701 (309) 828-5226 fax: (309) 820-2610 Technical Contact: Anderson Financial Network, Inc. [email protected] 404 BROCK DR BLOOMINGTON, IL 61701-2654 US 309.828.5226 fax: 123 123 1234 GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

I was going by the comments made that the lawyers always walk away with all the cash. I've never been actively involved in one but I guess there would be filing fees and such but have no idea what they could be.

John, A class action lawsuit is VERY expensive and very time consuming. That lawyer MAY be volunteering his time, but the expenses are still all paid up front by the plaintiff. I seriously doubt this lawyer would do this for free. Even more doubtful is that he would front all of the actual costs.

Steve, the lawyer referenced by the email address has filed a report against AFNI here also and has volunteered his services in filing a class action suit. So, maybe some indiviuals may make out better. I would really have no idea but find the attorney's offer quite noble.

David, Class action lawsuits are a waste of time and money for everyone except the lawyers. They are the only winners. People always want a class action so they can ride on the coat tails of someone else's efforts. File your own lawsuit. It's easier than you think and much more rewarding. You can also go after criminal charges for fraud, extortion, or whatever. File a complaint with the FTC and also with the FBI Financial Crimes Division.

David, Class action lawsuits are a waste of time and money for everyone except the lawyers. They are the only winners. People always want a class action so they can ride on the coat tails of someone else's efforts. File your own lawsuit. It's easier than you think and much more rewarding. You can also go after criminal charges for fraud, extortion, or whatever. File a complaint with the FTC and also with the FBI Financial Crimes Division.

David, Class action lawsuits are a waste of time and money for everyone except the lawyers. They are the only winners. People always want a class action so they can ride on the coat tails of someone else's efforts. File your own lawsuit. It's easier than you think and much more rewarding. You can also go after criminal charges for fraud, extortion, or whatever. File a complaint with the FTC and also with the FBI Financial Crimes Division.

David, Class action lawsuits are a waste of time and money for everyone except the lawyers. They are the only winners. People always want a class action so they can ride on the coat tails of someone else's efforts. File your own lawsuit. It's easier than you think and much more rewarding. You can also go after criminal charges for fraud, extortion, or whatever. File a complaint with the FTC and also with the FBI Financial Crimes Division.