Afni Collections sent a collection notice for almost 500 dollars saying it was a debt owed from 1993- 1996 Bloomington Illinois

Please go to the FTC website and file a complaint. FTC.gov

First the SOL has run out and in a letter you should tell them that ......

Tell them to validate by

. What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent


1. NEVER talk to a collection agency on the phone. Period.
2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon.
3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER.
4. Keep a copy of every letter you send.
5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest.
6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

Let's see....

The Statute of Limitations on collections for this type of debt in Colorado is 3 years, so they can't sue you.

The Statute of Limitations for putting this on your credit report is 7 years, so they can't do that either.

Whether it's your account or not is irrelevant - they can't enforce collection against you.

If you play your cards right, they will be sending you $1000.... Do a Google Search for "Flyingifr Method".... it will tell you a lot.

Let's see....

The Statute of Limitations on collections for this type of debt in Colorado is 3 years, so they can't sue you.

The Statute of Limitations for putting this on your credit report is 7 years, so they can't do that either.

Whether it's your account or not is irrelevant - they can't enforce collection against you.

If you play your cards right, they will be sending you $1000.... Do a Google Search for "Flyingifr Method".... it will tell you a lot.

Let's see....

The Statute of Limitations on collections for this type of debt in Colorado is 3 years, so they can't sue you.

The Statute of Limitations for putting this on your credit report is 7 years, so they can't do that either.

Whether it's your account or not is irrelevant - they can't enforce collection against you.

If you play your cards right, they will be sending you $1000.... Do a Google Search for "Flyingifr Method".... it will tell you a lot.

Let's see....

The Statute of Limitations on collections for this type of debt in Colorado is 3 years, so they can't sue you.

The Statute of Limitations for putting this on your credit report is 7 years, so they can't do that either.

Whether it's your account or not is irrelevant - they can't enforce collection against you.

If you play your cards right, they will be sending you $1000.... Do a Google Search for "Flyingifr Method".... it will tell you a lot.