Afni Collections - Afni Sent collection letter for bill never incurred or never received bill for Bloomington Illinois

If these people come after me again what is my recourse?
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I hope this has been a learning experience. If they come after you again, put your check book away. Don't let them bully you into making a payment. Tell them that you do not recognize the debt and that per the Fair Debt Collection Act you are requesting that it be validated. If they state: "We don't do that." Tell them that it is required by federal law.

So, I asked Afni to fax me over a settlement offer and I paid them with a USPS money order for $161. Can I still ask them for proof of this bill?

I know I paid prematurely but I was scared because of the reports that they report to the credit bureaus. If these people come after me again what is my recourse?

I don't see how the courts can see that a payment can be seen as an admission and not out of duress in some cases. I was mor fearful of having to deal with court and a negative report to the 3 CRAs then I was just paying the darn thing. Now I feel like I got...ripped off.

AFNI specializes in filing bogus collection accounts for accounts you never had. AFNI is the bottom of the barrel. They are slime. When a debt is ten years old, it is beyond that statue of limitations, which means that they can't take ANY legal action against you. IF this is really your debt. they can still try to collection by annoying you with phone calls, but that's all.

As others stated above. If this company did manage to get a payment on your card before you canceled it, you have validated this debt as real, regardless of whether it's yours or not.

I'm done. I'm paying them off and should be done with them. I think this bill is mine; I just don't remember. I'd rather pay them off and be conscience free.

Good luck to you all and I hope that those that really don't owe anything or have paid their accounts get some answers and justice. For those who owe, just pay the people...

So, when I called Afni she said the bill was from 1997. I gave them my c/c debit number but called back and they agreed to cancel the payment until they could provide validation. Just in case, I cancelled my credit card in time. I don't feel this is an admission of anything. More like confused to all heck.

Now, I am a firm believer that if I owe the money I will pay it. The phone number doesn't sound familiar but that was 10 years ago! I don't even remember! I would want them to send me an itemized bill with my name with phone calls that I've made. Even then how can I prove that I hadn't paid them already. I don't keep copies for 10 years!

Can they really collect on a debt 10 years old or not? Please advise. I'm about ready to be clear of this!!

I hear there's a case action against Afni filed in September. Anyone hear of this?

you have now re-affirmed a debt that was legally uncollectable per the statute of limitations in CA. Now, they can sue you successfully for this entire balance PLUS any fees they may try to tack on top of it - as any judge will see your payment as an admission that you do owe the debt (if you didn't owe it, why would you pay? that's what AFNI will say in court). My best suggestion to you is to pay the full balance via money order and be done with it. If you do not, the balance will grow to whatever limits AFNI feels like setting - and you will find a summons to appear in court before long.

Let this thread be a warning for anyone who receives this type of letter from a lowlife, bottom-feeding parasite like AFNI. EDUCATE YOURSELVES BEFORE YOU ACT. They will try any method possible to scare you into paying a debt that is legally uncollectable. The problem in this case is you have now re-started the SOL for this debt - and have no recourse but to pay them before more mysterious charges find their way to your mailbox accompanied by a lawsuit that you cannot win.

you have now re-affirmed a debt that was legally uncollectable per the statute of limitations in CA. Now, they can sue you successfully for this entire balance PLUS any fees they may try to tack on top of it - as any judge will see your payment as an admission that you do owe the debt (if you didn't owe it, why would you pay? that's what AFNI will say in court). My best suggestion to you is to pay the full balance via money order and be done with it. If you do not, the balance will grow to whatever limits AFNI feels like setting - and you will find a summons to appear in court before long.

Let this thread be a warning for anyone who receives this type of letter from a lowlife, bottom-feeding parasite like AFNI. EDUCATE YOURSELVES BEFORE YOU ACT. They will try any method possible to scare you into paying a debt that is legally uncollectable. The problem in this case is you have now re-started the SOL for this debt - and have no recourse but to pay them before more mysterious charges find their way to your mailbox accompanied by a lawsuit that you cannot win.

you have now re-affirmed a debt that was legally uncollectable per the statute of limitations in CA. Now, they can sue you successfully for this entire balance PLUS any fees they may try to tack on top of it - as any judge will see your payment as an admission that you do owe the debt (if you didn't owe it, why would you pay? that's what AFNI will say in court). My best suggestion to you is to pay the full balance via money order and be done with it. If you do not, the balance will grow to whatever limits AFNI feels like setting - and you will find a summons to appear in court before long.

Let this thread be a warning for anyone who receives this type of letter from a lowlife, bottom-feeding parasite like AFNI. EDUCATE YOURSELVES BEFORE YOU ACT. They will try any method possible to scare you into paying a debt that is legally uncollectable. The problem in this case is you have now re-started the SOL for this debt - and have no recourse but to pay them before more mysterious charges find their way to your mailbox accompanied by a lawsuit that you cannot win.

Ace,

First, I'll give you the bad news. When you made that agreement to pay, you legally affirmed the debt. Now it is legally collectable due to you making a payment / agreement to pay.

1. NEVER call, or speak to any collector on the phone. ALWAYS demand debt validation IN WRITING and send by certified mail, return reciept requested. Be sure to put the certified# on the letter itself.

2. Never in any way give a collector access to any checking account or credit card, or other financial account. Even if you do decide at some point to pay a collector, use a postal money order only.

3. Go to Bud Hibbs . com and read all about these lowlife. They are the lowest of the low in the bottomfeeder business.

Good luck.

Ace,

First, I'll give you the bad news. When you made that agreement to pay, you legally affirmed the debt. Now it is legally collectable due to you making a payment / agreement to pay.

1. NEVER call, or speak to any collector on the phone. ALWAYS demand debt validation IN WRITING and send by certified mail, return reciept requested. Be sure to put the certified# on the letter itself.

2. Never in any way give a collector access to any checking account or credit card, or other financial account. Even if you do decide at some point to pay a collector, use a postal money order only.

3. Go to Bud Hibbs . com and read all about these lowlife. They are the lowest of the low in the bottomfeeder business.

Good luck.

Ace,

First, I'll give you the bad news. When you made that agreement to pay, you legally affirmed the debt. Now it is legally collectable due to you making a payment / agreement to pay.

1. NEVER call, or speak to any collector on the phone. ALWAYS demand debt validation IN WRITING and send by certified mail, return reciept requested. Be sure to put the certified# on the letter itself.

2. Never in any way give a collector access to any checking account or credit card, or other financial account. Even if you do decide at some point to pay a collector, use a postal money order only.

3. Go to Bud Hibbs . com and read all about these lowlife. They are the lowest of the low in the bottomfeeder business.

Good luck.

Ace,

First, I'll give you the bad news. When you made that agreement to pay, you legally affirmed the debt. Now it is legally collectable due to you making a payment / agreement to pay.

1. NEVER call, or speak to any collector on the phone. ALWAYS demand debt validation IN WRITING and send by certified mail, return reciept requested. Be sure to put the certified# on the letter itself.

2. Never in any way give a collector access to any checking account or credit card, or other financial account. Even if you do decide at some point to pay a collector, use a postal money order only.

3. Go to Bud Hibbs . com and read all about these lowlife. They are the lowest of the low in the bottomfeeder business.

Good luck.

Are you sure they haven't already charged you prior to your closing the account? I'm guessing that they put the charge through 20 seconds after getting the card info from you. Next time, do research FIRST before giving out your card info.

If they have charged you and this is a credit card (not debit card), request a "charge-back" for the entire amount. If they haven't charged anything...CANCEL the card and have it re-issued under a different card number. If you don't it's guaranteed that they'll try to run charges through. These people are scammers.

For your future reference: NEVER NEVER EVER give your checking account info or debit card info to pay ANY collection agency electronically. They will almost always take out way more than you authorized, which can wreak havoc with your checking account. This usually results in an avalanche of bounced check fees.

DO NOT allow yourself to be bullied by a collection agency. Do research before paying them anything. If you pay any collection agency, get the terms in WRITING before giving them one penny. Pay ONLY via USPS money orders.