- Report: #698861
Complaint Review: AFNI COLLECTIONS
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| AFNI COLLECTIONS
Internet United States of America |
|
AFNI COLLECTIONS Sent two letters for past debt from 1999, that have never been on my credit reports, Internet
*Consumer Comment: FYI
*Consumer Comment: Some ducation on AFNI, and also on SOL by state
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This report was posted on Ripoff Report on 02/23/2011 09:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/AFNI-COLLECTIONS/internet/AFNI-COLLECTIONS-Sent-two-letters-for-past-debt-from-1999-that-have-never-been-on-my-cre-698861. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#2 Consumer Comment
Some ducation on AFNI, and also on SOL by state
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Wednesday, February 23, 2011
The second thing you need to educate yourself on is that ONLY the credit reporting statute of limitations is 7 years, which has nothing at all to do with the statute of limitations on the actual legal enforcement of debt collection through the civil process.
Individual states have different SOL's that range from 3 to 15 years, but none are 7 years.
STAY OFF THE PHONE!!
Never speak to any third party debt collector on the phone. Doing so can ONLY hurt you, as even discussing a payment could be considered validation of the debt restart the SOL which would enable them to sue you.
Send these idiots a CEASE COMMUNICATIONS request as per your rights under the FDCPA which you can obtain at the FTC website.
Send this request by certified mail, return reciept requested. Be sure to put the certified# in the body of the letter itself, and keep a copy for your records. This procedure is VERY important as it proves exactly what you sent. And, most important, do not sign the letter as your signature could end up on a "contract". Not uncommon with these lowlife.
