AFNI INC AFNI INC FAILS TO VALIDATE A DEBT - CLEAR VIOLATION OF FCRA Bloomington Illinois

...When they are closed down due to violations of the FCRA. They have a class-action suit against them filed by the Minnesota Attorney General, and senators in the NY State House have advised NY Atty General Cuomo to do the same. These two major cases are just a drop in the bucket compared to the hundreds filed by everyday consumers...

AFNI buys junk paper..most are past sol, already pd. or collection attempts on wrong parties. They buy old portfolios and will not validate because most collections they attempt are not valid to begin with..once they fail to validate they will simply slip the bad debt back into another portfolio for another bottom feeder agency to purchase..then you get to start the process of demanding validation all over again with yet another bunch of morons. Afni is the 3rd to claim I owe on a disconnected Verizon # they like the others can not validate because the # is not and was not ever disconnected is used daily along with verizon internet serv. & recently credited more than the bogus debt.... due to VERIZON OVERCHARGES...Verizon records or lack thereof are part of the problem..once they sell the alleged debt they have no control over it's attempted collection and will not confirm to any of the JDB's that you actually do not owe on the junk paper.

Funny how your agency has attempted to come after me for a debt when y'all aren't even the original creditor. The debt is past the statute of limitations for collections in Texas. Your people claim to know state laws concerning collection practices, however, I find that very laughable. Come to Texas and see what happens to y'all in court. From what I've been reading in other information, your company is embroiled in several court cases across the nation and have lost more than a few of them in the past because of clear violations of FDCPA laws.

My fellow consumers. You do not need to send them a certified letter/return receipt. Send them a Cease Communication and or a Time Barred letter if your debt is past the statute of limitations for your state, via facsimile and keep the fax transmission receipt...it is a legal notice in all 50 states and is admissable in any court. AFNI Inc's. aka Anderson Financial Network, Inc, fax number is (309)-828-0931. It's legal and it works.

In court, they can't deny the evidence of the fax transmission receipt when you produce it as evidence. A judge will laugh at them should they state they didn't receive it.

And when you're faxing that letter, be sure to name the following AFNI, Inc aka Anderson Financial Network, execs in the body of the letter and fax....
Bruce F. Griffin Chairman and Chief Executive Officer
President Ronald L. Greene
Vice President/Secretary Gregory J. Donovan
Treasurer V. Curtis Oyer

Keep figthing them. If they are not the original creditor, you do not owe them money. If they have your served with a summons for suit...answer the suit in your county and fight them with a response. They're hoping you won't reply and get a default judgement. Fight them and win!

"Anonymous",

First of all, please do not cut and paste my words and add to your bad advice.

You have absolutely no idea what you are talking about.

For example, the 7 year thing you mentioned.

Each state has their own statute of limitations on debt collection. Some are as low as 3 years while others are as high as 15 years.

Therefore, 7 years means absolutely nothing in debt collections.

However, the SOL for negative credit reporting STARTS at 7 years, and goes to 10, depending on what type of negative.

Learn the law BEFORE giving "advice".

AFNI will never 'validate' a debt.

They are 'hit and run' debt collectors.

They will not take legal action either in most cases.

They are genuine lowlife.
They define the word 'bottomfeeder'.


.........Absolutley. If you have a DP account (Debt Purchase account) and we can't validate it, it's going to be closed and we will send you a RL (release letter). Regardless, never pay anything that is over 7 yrs old or close. Trust me wait it out and Afni (or any business that reports to the credit bureaus) aboslutely MUST remove the listing from your credit report after 7 yrs from the delinquency date.

I have more tips for those who want to listen.

Just hang in there and visit bud hibbs website
He has lots of good info on these bottom feeders
and my bad I meant to say I sued a bottom feeder not and
Sorry been a loooonnnggggg year
Do not answer the phone, keep a log of every call with caller id
That is what made my case - check with your local goverment and see if these idiots need a surety bond filed in order to do collections - the State of Texas requires all collection agencies calling into Texas have a bond on file with the Secretary of State (I have a goooodddd lawyer)
Time to put these scumbags in their place
Let's do it!
Stacey

AFNI will never "validate" a debt.

They are "hit and run" debt collectors.

They will not take legal action either in most cases.

They are genuine lowlife.
They define the word "bottomfeeder".




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Submitted: 9/14/2008 9:34:38 AM
Modified: 9/14/2008 9:37:49 AM Ohnotheydidnt
Orlando, Florida
U.S.A.

Reply to Stacey
Thanks for your support Stacey. I've actually sent them 3 certified letters demanding debt validation. One of them within the 30 days after I received their letter, and I've gotten nothing from them at all.



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Thanks for your support Stacey. I've actually sent them 3 certified letters demanding debt validation. One of them within the 30 days after I received their letter, and I've gotten nothing from them at all.

First of all, there is no law under the FCRA that states that in order for you to obtain validation of a debt you need to sign the letter. Second, on the letter I received from AFNI does not state that the letter needs to be signed. Now I wonder...why is it so hard for you to provide proof of a debt?. Is it because it's really not mine, and you want to take advantage of people? It is as simple as showing me a bill with details of what I owe, and that indeed I am the person that owns this account. Why in the world would I pay something that I dont owe. Im sure you wouldn't

Oh but I'm sure that you are the one pissing and s**+%%*ng on your pants because more people are learning about their rights and soon the law will be catching up with all of these illegal activities. It's time people stand up for their rights.

And FYI you looser....I've worked all my life since I was 16 with very reputable companies working decently and honestly, and never once been out of a job. I have a college degree, and a family whom I love and protect. Anything that happens to my credit affects my family. And I don't let nobody mess with my family and our future. I thank God that I have a great job, not like you...LOOSER

First of all, there is no law under the FCRA that states that in order for you to obtain validation of a debt you need to sign the letter. Second, on the letter I received from AFNI does not state that the letter needs to be signed. Now I wonder...why is it so hard for you to provide proof of a debt?. Is it because it's really not mine, and you want to take advantage of people? It is as simple as showing me a bill with details of what I owe, and that indeed I am the person that owns this account. Why in the world would I pay something that I dont owe. Im sure you wouldn't

Oh but I'm sure that you are the one pissing and s**+%%*ng on your pants because more people are learning about their rights and soon the law will be catching up with all of these illegal activities. It's time people stand up for their rights.

And FYI you looser....I've worked all my life since I was 16 with very reputable companies working decently and honestly, and never once been out of a job. I have a college degree, and a family whom I love and protect. Anything that happens to my credit affects my family. And I don't let nobody mess with my family and our future. I thank God that I have a great job, not like you...LOOSER

First of all, there is no law under the FCRA that states that in order for you to obtain validation of a debt you need to sign the letter. Second, on the letter I received from AFNI does not state that the letter needs to be signed. Now I wonder...why is it so hard for you to provide proof of a debt?. Is it because it's really not mine, and you want to take advantage of people? It is as simple as showing me a bill with details of what I owe, and that indeed I am the person that owns this account. Why in the world would I pay something that I dont owe. Im sure you wouldn't

Oh but I'm sure that you are the one pissing and s**+%%*ng on your pants because more people are learning about their rights and soon the law will be catching up with all of these illegal activities. It's time people stand up for their rights.

And FYI you looser....I've worked all my life since I was 16 with very reputable companies working decently and honestly, and never once been out of a job. I have a college degree, and a family whom I love and protect. Anything that happens to my credit affects my family. And I don't let nobody mess with my family and our future. I thank God that I have a great job, not like you...LOOSER

First of all, there is no law under the FCRA that states that in order for you to obtain validation of a debt you need to sign the letter. Second, on the letter I received from AFNI does not state that the letter needs to be signed. Now I wonder...why is it so hard for you to provide proof of a debt?. Is it because it's really not mine, and you want to take advantage of people? It is as simple as showing me a bill with details of what I owe, and that indeed I am the person that owns this account. Why in the world would I pay something that I dont owe. Im sure you wouldn't

Oh but I'm sure that you are the one pissing and s**+%%*ng on your pants because more people are learning about their rights and soon the law will be catching up with all of these illegal activities. It's time people stand up for their rights.

And FYI you looser....I've worked all my life since I was 16 with very reputable companies working decently and honestly, and never once been out of a job. I have a college degree, and a family whom I love and protect. Anything that happens to my credit affects my family. And I don't let nobody mess with my family and our future. I thank God that I have a great job, not like you...LOOSER

Hey~ "Stan the Man" [big in his own mind],

I have challenged you on your uneducated drivel in another thread on this same issue, but you have failed to respond. So here it is again.

You claim that you will ignore an unsigned debt validation request letter. You seem to think that a judge will throw it out if unsigned.

Absolutely NOT true. Been there. Done that.
There is NO LEGAL REQUIREMENT for a signature on any demand letter under the FDCPA or any state collection law that I know of.

A printed name or even initials is just fine, and does not invalidate the letter in any way.

I hereby challenge you to SHOW ME THE LAW, verbatim.
Show me now, or shut up and go back to your cubicle.

You represent the ignorance and arrogance of a debt collector.
You are nothing. Get over yourself, and get a respectable job.



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Submitted: 9/9/2008 5:51:34 PM
Modified: 9/9/2008 9:34:10 PM Stan The Man
New York, New York
U.S.A.

AFNI INC
Hey deadbeat call us and we will tell you why you owe us.If you send us a letter to validate the debt you better sign it.If you fail to sign it we will sue and win.The first thing the judge will ask the low life deadbeat why did you fail to sign the validate letter?That is when the deadbeat will wet his/her pants.


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You are the deadbeat working for a third party collection agency who buys old debts (beyond the statute of limitation debts) and terrorize people to pay them
Sued and idiot like you and WON
To the original OP
Send a certified letter demanding verification of the debt
When they don't respond (which they will not) send a CEASE COMMUNICATIONS letter certified mail
Forget this idiot employee and do not let them get the best of you
Don't get mad get even

Hey deadbeat call us and we will tell you why you owe us.If you send us a letter to validate the debt you better sign it.If you fail to sign it we will sue and win.The first thing the judge will ask the low life deadbeat why did you fail to sign the validate letter?That is when the deadbeat will wet his/her pants.