Afni On Verizon Account Ludicrous reply to demand for debt validation, will they ever give up? Bloomington Illinois

Rob,

How is demanding proof of a debt and itemization of all charges frivolous? It is called debt validation. FYI, The ONLY acceptable proof of debt when this goes to court is exactly the information i described, or the case gets tossed.

Therefore, the courts do not feel it is a frivolous request. I have been there and this is first hand information, and 100% accurate.

Furthermore, the collection agency is under no obligation to provide any information in the collection letter other than that they are attempting to collect a debt and the disclosure statements as required by law. They DO NOT have to provide any other documentation as you stated. This is bad information.

You can request anything you like, but I stongly advise against blanket requests for every bill from Day 1, the original contract, all delivery receipts, etc. Afni is entitled under the law to ignore frivolous requests for verification so long as they tell you why they have deemed it to be frivolous. Blanket requests for every document from the beginning of time are clearly frivolous.

Afni is also entitled to request that you specify the nature of your dispute so that they can properly investigate. You DO NOT need to prove you don't owe the debt, and DO NOT send any information such as your past addresses, your drivers license, etc. The letter sent to you must, by law, state that any information will be used to collect the debt. If it doesn't find a Consumer lawyer and sue. They will get their fees from Afni and charge you nothing. If it does say that, Believe It.

You DO, however, need to specify what it is you are disputing. For example, you need to say, "I am not the person who is named on this Verizon account. You can give some further support such as saying, "I have never had a Verizon account," or I have never lived at the address listed on the account," or "I was 4 years old at the time this account was supposedly contracted." Once you give that type of a dispute, you can ask for a copy of any contract or document with your signature." You can also say in your case, "I never contracted for this service, I never received the service, I never used the service and the person named on the account is another party." Please verify the identity of any person claimed to be responsible for this account. That's all you need to do. They must then verify the person on the account is you.

If the account is more than 7 years old, don't worry. The credit bureaus won't report it, and Afni probably won't waste their time sending it. If it is under 7 years old and Afni has been given cause to believe that the debt is not owed by your, contact a lawyer and sue.

I am attempting to put people together for group action against Afni as well as Verizon and the other companies that support operations that flaunt the law, such as Afni. If you are interested, please contact me.

P.S. - I did used to play a lawyer on TV and I also stayed at a Holiday Inn Express last night

You NEVER have to prove that you do not owe a debt. The collection agency ALWAYS has to prove it is owed.

STAY OFF THE PHONE!! NEVER call, or speak to ANY debt collector on the phone!! NEVER!!

All you need to do is send a DEBT VALIDATION request by CERTIFIED MAIL, Return Reciept Requested. BE SURE to put the certified# on the letter itself and keep a copy for your records, and DO NOT sign the letter, just print or initial. Your signature could magically show up on a contract. Not uncommon with these lowlife.

In this letter, clearly deny the debt, and DEMAND to see the signed original contract that created it, as well as a full account history back to day one and a full itemization of all charges, as well as proof they are entitled to collect on the debt such as a purchase contract along with proof of payment.

They would need all of this to win in court and they know it.

I would countersue them for the frivolous collections action.

This is just a new way for these low lifes, to obtain information to update there file. and they will scan, what is needed to create a contract.

What ever information they have on file, they should be able to obtain from the account number which was included in there first letter send to you.

There the ones that need to prove the debt, not the other way around, alot of people filed complaints with the attorney generals in their state and the state where Afni is located, after Afni received a letter from the AG, they dropped the collections. also file with the FTC.

If for any reason Afni, stops collecting and sells this false debt to another collection agency, be sure, if you get fed up and sue, name Afni as co-defendants.

807(2)(a) prohibits false representations concerning the existence of a debt, the amount and legal status of a debt.

Afni, been taking such a beating over these verizon accounts, their coming up with new ways to stall validation, or making the claim you need to provide information they don't have.

Watch your credit report, and look closely at what they send(if) they give anything for validation. most of the time it's there own in house computer printouts or they create there own verizon statements.