Afni - SPRINT - NEXTEL AFNI PUT A BILL ON MY CREDIT REPORT FOR 290 FROM DEBT THAT DIDNT EXIST ripoff BLOOMINGTON Illinois

FDCPA( Fair Debt collection Practices Act) you can find this by going to the FTC.gov web site

just google both and you'll get information on both.

Before thinking about suing you need to know what your up against, First you need to send a Debt validation request to Afni (RRR), also in that letter you need to tell them that no more phone calls, all communication will be by US. Mail only.

Most of the time what it appears people are getting from Afni, is there own print out for validation, Until you see what they have for this debt, don't speak to them on the phone, don't admit anything, and assume that your calls are being recorded and will be used against.

Something you might want to look up is contract laws, breach or default, if nextel didn't fullful there end of the contract, then charging you a early cancellation fee, is something that shouldn't of happen.

Charges are they may have a valid contract, seeing you had it for 10 years and they may be able to produce a strong payment history, so its the contract you want to go after and there breach.

Now Afni, must place the correct date of default on your credit report, most of the time they leave this blank or use the date they got the account.

THANKS STEVE FOR THE INFO, I NEED TO KNOW WHAT THIS FCCRA THING IS AND THE OTHER FDRC OR WHATEVER YOU HAD SAID, WHAT ARE THE LAWS, WHAT ARE THE RULES? I WILLL SUE I JUST NEED YOU TO SEND THIS TO ME SO I CAN SEE IT FOR MYSELF AND SEE WHAT ITS ABOUT,
SO I CAN FILE APPROPRIATELY, I NEVER HEARD OF THIS LAW BUT IT MAKES SENSE IS IT A FEDERAL OR STATE LAW, AND IF FEDERAL DONT I NEED TO GO TO FEDERAL COURT? AND WHAT IF I SUE, AND NEXTEL COMES IN WITH A CONTRACT, DOESNT IT SAY THEY ARE ENTITLED TO ATTORNESY FEES IN COLLECTIONS? OR SHOULD I JUST SUE AFNI? DOES AFNI NOW OWN THE DEBT

Jerry,

First, the reason they [AFNI] only reported to Equifax, is that may be the only credit bureau they "subscribe" to. It has nothing to do with the other 2 refusing their reports.

AFNI are JUNK DEBT BUYERS. They buy very old accounts of this type usually for far less than a penny on the dollar.

Sprint/Nextel sold off these very old uncollectable accounts to clear the books. That's it. It is just how they do the write off of the loss, and get the tax deduction. Shareholders closely scrutinize bad debt.

Sprint/Nextel are in no way involved here, and should not be contacted.

AFNI broke the law, by "re-aging" the account as reported to Equifax. The original delinquency date with the original creditor is the date required to be reported to the credit bureaus, NOT the date they bought the account.

You have the right to sue for this violation for up to $1000 in punitive damages, PLUS actual damages and costs. This is spelled out in the FDCPA and the FCRA.

Forget CLASS ACTION lawsuits, they are very costly and time consuming, and YOU usually get NOTHING. The lawyers are the only ones to win on a class action. AND, these type of operations just fold up and pop up under another name when they lose a large lawsuit.

SUE AFNI NOW!! Don't get mad, GET PAID!!

Good luck!