Afni Collections agency - How to handle the collector

Afni, Inc offers collection, insurance and debt purchase services to leading companies in the US. If your debt account is held by Afni Collections, it is essential to check out the topics given below to know about how this collection agency treats debtors and how to deal with them.

Afni Collections agency complaints - How to deal with them

The community members and guests participating in the DebtCC forum have shared their feedback on the collection agency. Below are some of the complaints they've made. Check out these complaints and learn how you should be dealing with Afni Collections.

  • Changing dates related to the debt account: One community member says that the Afni Collections tried to change dates on an account even though the Statute of Limitations had already expired. The member repeatedly sent validation letters but the collection agency (CA) didn't respond with any proof that the member owed the money. What Afni Collections wanted was for the member to pay the entire amount. Learn more....

    If you're in a similar situation, and you're not certain that you owe money to Afni collections, do not make any payment towards the bill unless the CA validates your debt. Moreover, if the SOL is over, you may avoid making even a partial payment towards the bill. That's because it may start the SOL all over again! Learn more about how to handle collection agencies...
  • Harassing debtors: People have complained about Afni Collections agency harassing them for debt account where the SOL has expired. The CA is also said to contact people about payments on bills that they haven't applied for. Find out more....

    If you've been contacted by the CA about an old account and you're sure that the SOL in your state has expired, send them an Expired SOL Notification letter and remind them that they can no longer sue you about the debt.
  • Not willing to validate debt: Consumers often complain that Afni Collections agency is not willing to validate the bill that they claim you owe. The only option left for the consumer is to file a complaint with the State Attorney General. At times, the consumers' attorneys have even sued Afni Collections agency. Learn more...
  • Reporting credit information incorrectly: Afni Collections agency reports incorrect information to the credit bureaus. One consumer says that Afni reported inaccurate information to the credit bureau, and as a result of that the consumer's credit report showed an account with Nextel he had never had. The consumer claimed that when he had an open account with Nextel, it has showed a zero balance on his credit report. So, he actually didn't have any outstanding balances on the account. The consumer disputed the information 3 times and each time the response from the CA was that the account status had been verified and reported correctly. Find out more...

    If you are in a similar situation, talk to the credit bureaus and have them remove the incorrect information from your credit report if it can't be verified. When you communicate with the credit bureau, provide them with the copies of the documents that prove the information was reported incorrectly. Your letter to the bureau should indicate clearly which items you are disputing and have facts to support your claim. Once you contact the bureaus to dispute inaccurate information, the credit bureau should investigate and remove any errors from your report within 30 days.

How to contact Afni Collections agency

You can call Afni Collections: (877) 403-0670 or use the following address:

Afni, Inc.
PO Box 3427 Bloomington, IL 61702-3427

You can even contact the CA using the Afni Collections fax number: (309) 828-0931

Posts: 5391
Credits: 64807.35

My wife got a call from afni collections regarding a bill that they said was from Verizon that was dated several months after we moved from where that phone service was. When my wife told the woman to send her a detailed validation she was told that all the law required was the total. Well thanks to this site my wife knows better. Then she wanted my wife to go to a "grocery store" to receive a fax. Yeah right.
I went on line and look what I found. Holey Moley!
Check out this link about them. or go to and click on the list of agencies to avoid. This bunch is one oh the worst.
Big junk debt scam of afni collection agency. It was no coincidence that they tried to change the date. Statute of limitations had run out on this in a few months ago if she owes it at all. I am getting tired of sending validation letters to afni collections but here we go again.
Beware of afni collections scam! This is a huge scam by a company that apparently is trying to climb out of thier own financial mess!


Debt Samaritan
Posts: 5255
Credits: 83043.446477606

Sub: #1 Statutes of limitations are determined by state law. What state
Mon, 08/27/2012 - 06:39

Statutes of limitations are determined by state law. What state do you live in?

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


Sub: #2 Afni
Fri, 08/24/2012 - 18:33

What is the statute of limitations on collections


Sub: #3 I would like to know if sending a complaint to attorney general
Thu, 06/30/2011 - 11:19

I would like to know if sending a complaint to attorney general helped you. I would also like to know if you sent the complaint to attorney general of the state where you live or the state in which AFNI's head office is located. I want to follow the same course. In past people from AFNI have called my house and threatened my kids saying they can destroy their father's credit and get him arrested if debt is not paid (meaning me). The collection is wrong. I truly don't owe. The collection has travelled from cellular one in 2005 to AT&T when latter bought the former company. And in fact I have spoken to Cellular One and AT&T many times over in the past and been told by them to forget the collections as they realized every time that I never actually got the service nor used it, but I have not saved the letters from them in past. This collection in my credit report is stopping me from refinancing my house at this time. Now, I understand why some people after going through so much of shit sometimes go and try to physically harm others. Besides, the people from this agency are very rude and use very very fould language at times, so foul that you want to get inside the phone and slap the man on the other side. Wish it was possible then I would take a baseball bat with me.


Posts: 15525
Credits: 135803.21104969

Sub: #4 well let me educate some people.btw great post skydiver as you b
Tue, 05/10/2011 - 05:30

well let me educate some people.btw great post skydiver as you busted the humanoids balloon,but i want to expand the points of SOL,and THE BBB the SOL not only varies state to state but debt to debt.each debt has a different credit cards,car loans,even judgements.the credit reporting period is 7.5 yrs from the last payment,or first delinquency.that is acroos the board for all the humanoids assertion is wrong,and to the BBB.if a place has an ungodly number of complaints,but they are all resolved.this is how they are resolved.this bottomfeeder drops the matter like it was radioactive.the person happy that they no longer have to deal with idiots reports to the BBB that the mattter was resolved.big freaking deal.bottomline,this is an evil lawbreaking bottomfeeder that desperately needs to be class actioned out of business...nuff said.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Posts: 2044
Credits: 58013.665337004

Sub: #5 katbrat, Clearly, those people are not experts. However, when
Mon, 05/09/2011 - 20:51


Clearly, those people are not experts. However, when someone posts here, others are free to reply as well.

Obviously, we are dealing with some debt collectors that must be having a slow day on the phones. The statute of limitations issue is easily handled--if a debt collector tries to collect on a debt that is so old that SOL has expired in your state, then simply send them a certified letter requesting that they immediately cease all contact with you regarding that matter. By federal law, they must obey a request to cease and desist. At that point, they have three options--

1--they can continue to try to contact you to collect on the debt. If they do this, go find yourself a consumer attorney and sue them for FDCPA violations.
2--they can cease all contact....which is legally their only option.
3--they can file a lawsuit, and if you can show that the debt is past the SOL, then you can do two things. First, their lawsuit will be dismissed. Second, you can then sue them for violating the FDCPA--it is not legal to sue on a debt that the SOL has passed on.

Posts: 4
Credits: 364.25

Sub: #6 I think I'll be an expert, at least I'm certified to give advice
Fri, 05/06/2011 - 23:03

I think I'll be an expert, at least I'm certified to give advice. I give advice out of honesty and true law. Not in regards to someone's feelings.

Posts: 4
Credits: 364.25

Sub: #7 Why are all of your "experts" just people who have joined the si
Fri, 05/06/2011 - 23:03

Why are all of your "experts" just people who have joined the site. Haha, what this world is coming to. How amusing.


Sub: #8 no, if you have proof that in the state you live in, you could n
Fri, 05/06/2011 - 22:52

no, if you have proof that in the state you live in, you could not legally consent to a contract, you will not be held to the debt. but if they don't know this, obviously they know no other thing to do than collect.


Sub: #9 You don't. Check with the BBB. Do you think they're illegal? May
Fri, 05/06/2011 - 22:48

You don't. Check with the BBB. Do you think they're illegal? Maybe search Afni Collections. They have an A rating. With all the bs complaints that come in, thousands a year, they have an A rating. You are not going to get anywhere with an agency so overcompliant as them.


Sub: #10 That is not theie address, that's the cooperate headquarters loc
Fri, 05/06/2011 - 22:46

That is not theie address, that's the cooperate headquarters location - where no collection activity takes place. How hard did you search for that information genius.

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