Afni, Collection Agency Fraud Bloomington Illinois

The statute of limitation in Ca:

open account:2 years (no writing)
open account:4 years (reduce to writing)
written cintract: 4 years

What are the SOL on debt that collectors have.

Steve, Don and J will belong shortly to give specifics but in the mean time ....

1. don't talk to them
2. send them a CERTIFIED letter
* DO NOT SIGN THE LETTER - JUST TYPE YOUR NAME
* Put the certification number on the letter and also get a return receipt
* Tell them that first:
- The debt has exceeded the SOL
- This is not your debt nor your mothers debt
- and they need to VALIDATE the debt

The company may have re-aged the acccount so be aware of this, however, since it is NOT your debt the problem should stop there. This is what the validation process will/should prove.

There are numerous posts on this company on this site. Do a search using the company's name and you can see you are in good company ....

I also listed on several of the AFNI complaint postings detailed information regarding this company. If you don't find it in other postings let me know, I will repost.

Melissa,

First of all, Verizon is in no way involved here. These are JUNK DEBT BUYERS you are dealing with here who buy debts of this age and type for about 1/10th of a penny on the dollar. These are very old debts with little or no information on the original debtor.

This is where the amateur skip tracers come in. They simply use public records and directories and send that collection letter to everyone with the same or similar name to the original debtor. They are fishing.

For Nikki, as far as the credit report thing, that is only true if they have Melissa's SS#. You cannot access a credit report without a person's SS#.

FYI..VERIZON was established in 2000. So any debt prior to that is automatically phony. Not to mention a 1995 debt being far past the SOL and totally uncollectable anyway.

Stay off the phone, NEVER speak to any debt collector on the phone.

Have some fun with these morons. Write a really foul reply on the bill, and put it in the payment envelope, but do not put a stamp or return address on it. Mark the lower left hand corner "attn: payments" and drop it in a big blue mailbox.

Now these fools will stand in line, pay postage due only to get insulted and no money! You might as well waste some of their time and money just for satisfaction.

Anytime you get credit, the credit company adds the address you applied with to your credit report. If your mother applied for Care Credit with your address, or on the co-signed loan, that's how it happened. Have her pull her credit reports and your address will probably be listed as a past address. She can dispute this as "never lived there".